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Comment by ZeroCool2u | Hacker News Reader

Especially one with such relatively poor rewards.

And a much worse APR than every other card I have. I was mildly interested until the application process showed me how much extra I'd pay just to not have a late fee.

Does it have a much worse APR? I got 12.99%, which while an expensive loan is still the best APR I think I've ever had on a credit card.

Without getting too much into specifics, it was 3% higher than my current highest card.

You really should be paying off your balance in full every month so you’re not paying interest at all. Even the lowest credit card interest rates are exorbitant.

I'm dumbfounded anytime I hear people even talk about credit card interest rates. Why are people borrowing money at double digit interest rates? Unless your kids are starving, what could be the investment that makes borrowing at that cost worth it?

I have no clue what my credit card interest rates are, they're all set to autopay.

It's because you're not the target market for credit cards, you probably lose the companies money.

I'm in the same boat as you except I also churn for miles/points.

Emergencies happen.

I think it's also a slightly more US-centric thing.

It might be desirable for some people if there is an option for a minimalist card. One that offers the following features:

• can make purchases with it; no fees (when you pay it off on time)

Without any of the following:

• rewards, deals, special offers, other gimmicks and spam

Maybe the Apple Card will be an interesting option for people looking for something simpler and aren't trying to maximize the rewards.

You're just describing a debit card?

Especially one with such relatively poor rewards.

You're in luck! Currently there is no law requiring you to sign up for an Apple Card. Since it doesn't meet your criteria, you can avoid getting it just simply doing absolutely nothing! Problem solved!

However, there are people for whom it does work.

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