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Sadika1

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0 annual fee & 24.9 apr or $39 annual fee & 22.9

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Well I'm guessing you are looking at capital 1 Quicksilver and Quicksilver.  The Quicksilver will give you higher limits. 

Top Contributor
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If you can pay a credit card in full every time the bill comes in, it really won't matter what the APR is.  I prefer avoiding annual fees when possible. I also do not like high interest rates (and both of these cards are HIGH) but if these are all you can get at the moment, think hard about how you are likely to pay every month and decide from there.  We don't have access to any of your records, fortunately (privacy safety) so only you can make the final decision on this.

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