i actaully don't have a credit-card so to speak, yes I have debit, but that doesn't count....
I had one when i was 18, young and stupid and got 200 bucks charged-off....yes $200..
so after that I learned to be somewhat financially responcible, and have gotten away with using my debit-card for years. But, I think I should get a CC just in case....
so,....anyone here have any preferences, suggestions? Not looking for perks, just low APR...



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