u/Acrobatic-Mix-5154

▲ 1 r/CRedit

As with everyone else, I used to have good credit. Life happened, and it tanked. Have slowly rebuilt over the last year and a half from high 400’s to just over 600 now). Have 4 of the crappy credit cards with embarrassingly high interest rates (34-36%), just as embarrassing low credit limits ($200-$500), and high yearly fees. I have been paying them off monthly. Received an offer today for a new card, with a $1000 limit and 30% interest. Would I be better off accepting the new offer (even though I am not paying interest) and maybe stop using a couple of my current cards—- or should I just keep doing what I am doing?

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u/Acrobatic-Mix-5154 — 9 days ago