Quote:
Originally Posted by Tsar
+1. I have yet to pay 1 cent for interest... so it works for me. I use CC's as a charge card so it makes no difference what the APR really is.
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Seriously, I couldn't tell you what my APRs are. I never carry a balance...always pay the amount in full. If you do that, no worries about the APR. If my situation ever got to where I couldn't pay a credit card bill, I simply would stop using them.