# Worst Credit Card Deal

**URL:** <https://boards.straightdope.com/t/worst-credit-card-deal/25493>\
**Category:** Miscellaneous and Personal Stuff I Must Share\
**Created:** [July 13, 2000, 10:10pm UTC](https://boards.straightdope.com/t/worst-credit-card-deal/25493 "2000-07-13T22:10:35Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![kanicbird](https://avatars.discourse-cdn.com/v4/letter/k/5f8ce5/32.png) [@kanicbird](https://boards.straightdope.com/u/kanicbird)\
**Post date:** [July 13, 2000, 10:10pm UTC](https://boards.straightdope.com/t/worst-credit-card-deal/25493/1 "2000-07-13T22:10:35Z")

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A couple of days ago I got offered the worst credit card I have ever seen. It was a mastercard gold card with a $49/yr anual fee, something like 23% apr and NO grace period. Worse yet if they raised my credit limit they would charge another $49. Also the over the line credit charge was $35 and there were many many other fees.

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**Author:** ![cher3](https://avatars.discourse-cdn.com/v4/letter/c/da6949/32.png) [@cher3](https://boards.straightdope.com/u/cher3)\
**Post date:** [July 13, 2000, 10:39pm UTC](https://boards.straightdope.com/t/worst-credit-card-deal/25493/2 "2000-07-13T22:39:12Z")

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I think they slip those into the usual rain of offers just to see if you’re paying attention.

Either that or you just got out of prison. 😉

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**Author:** ![Fugazi](https://avatars.discourse-cdn.com/v4/letter/f/f08c70/32.png) [@Fugazi](https://boards.straightdope.com/u/Fugazi)\
**Post date:** [July 13, 2000, 11:24pm UTC](https://boards.straightdope.com/t/worst-credit-card-deal/25493/3 "2000-07-13T23:24:57Z")

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I don’t get it. These people must be complete idiots. I have really good credit yet I keep getting offers for crappy gold cards with 21% interest

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**Author:** ![kanicbird](https://avatars.discourse-cdn.com/v4/letter/k/5f8ce5/32.png) [@kanicbird](https://boards.straightdope.com/u/kanicbird)\
**Post date:** [July 14, 2000, 1:44am UTC](https://boards.straightdope.com/t/worst-credit-card-deal/25493/4 "2000-07-14T01:44:05Z")

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I get both kinds of cards, really crappy and decent. What I mean by decent is no anual fee,1 month grace, and something back (i.e. cash, ski vouchers). I pay off the CC each month in full so i don’t care about the apr