My situation is this... While in college I got in over my head with a couple of credit cards, and now my credit report is a bit tarnished as a result. Its been a couple of years since then and I have cleaned up my act. I am now getting solicited for cards which have sky-high APR's and ridiculous annual fees. Although I don't need a credit card, I was wondering if I should accept one of these offers and use it diligently in order to help build my credit back up. I do feel I am responsible enough now to avoid any potential problems, so the APR shouldn't even affect me. The annual fee ($50 or so) is a bit harsh, but it may be worth it in the long run if I can positively influence my credit rating. Does anyone here know if diligent use of a credit card like that will be worth it? Your advice would be appreciated!Acropora
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