conversation: User (walkingbread): "I have a secured credit card with Wellsfargo that I got to help rebuild my credit. I have a 675 score and I only have 2 student loans out at the moment.\n\nI just got the letter saying I would "upgraded" to an unsecured Wells Fargo Platinum Card. The variable APR is 18.40% which seems ridiculously high. It notes that the APR will vary with the market based on the U.S. Prime Rate.\n\nMy questions are:\n\n1) Am I being screwed with this APR?\n2) Will it ever decrease with the market based rate?\n3) Will it hurt my credit to get rid of this?\n4) Can anyone suggest another way I can continue to build my credit score?\n\nThanks in advance for all your help. \n"
  Self: "18.4% is not unusual for a credit card. But, really, unless you are carrying a balance the interest rate is irrelevant as you won't pay interest.\n\nIts never a good idea to carry a balance, and part of digging yourself out of your prior credit mess is learning to not ever do that."
  User (walkingbread): "Thank you! So basically pay the full amount due every month and never carry anything over?"
  Self: "yup. Pay the amount due in full by the due date and you're golden."
  