<prompt> Human: Hey guys. I got a letter in the mail pre-approving me for a First PREMIER Bank Platinum MasterCard with a 400 limit, 99 annual fee, and 95 processing fee to open.I recently graduated from school and Im in the process of building my credit currently around 655. I currently have the CapitalOne secured card with a 200 limit, set to increase in 1-2 more months of on-time payments. I will have enough disposable income to fully pay off both cards if I max them every month, so theres not really a worry of carrying a balance.Is it worth it to essentially spend 200 recurring 100 per year to open a small line of credit for the purpose of increasing my score, or should I wait for a while to get around 700 credit score and apply for a better card?  <response>: Bad idea. 