I started out like you and i would advise you not to open another account. this will only allow you to charge up more debt. 10.99% isn't that bad at all. I got the same offer from gm with a similiar fico score at the time. i got a 5k limit. If you can don't open up anymore accounts! That's my opinion. see my posting and this will probably change your mind. (get out of debt fast)
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