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HAAAAHAAAAA!!!!!Man, have you lost your mind??????????Wait until they hit YOU with a 18% increase in APR.Even with a "PERFECT" payment and balance history.Then, call them up and "inquire" about that.
The Rich Man doen't borrow money for consumption. We only use leverage to aquire profit making deals (after all costs).We don't use a credit card; we just use a debit card; it has all the convenience of a credit card, and we pay ZERO APR. Work toward being rich; kill your credit cards and use the debit card. Paying cash as you go means you can have at least 20% more of the stuff you want on the same income.