I started with a capital one student card. It was a high APR, but like you said, i paid it off every month. AFTER college I started to be a little broke and was paying it off less and less, before i knew it, it was outrageous. I just FINALLY paid off both of my credit cards yesterday, it took about 2 years to pay down completely. Moral of the story: be careful. As far as I know my credit is still wonderful though.
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