<prompt> Human: Im 18 and have just applied for my first credit card and got accepted. Its the Lloyds Bank Platinum 32 Month Balance Transfer Credit Card. I believe I received 25 APR will fully check when card arrives, a credit limit of 1000 and a 0.8 Balance Transfer Fee.I dont intend to use the Credit Card for anything other than monthly bills, which Ill Direct Debit at the end of the month to build my Credit Rating. The problem is, I could have applied for a 6.9 APR Credit Card from Lloyds. I assumed that 32 Month Balance Transfer meant I would pay less of a charge when paying off my bills at the end of the month. I just found out that its intended for people to pay off existing Debts easier.Being 18 on my first Credit Card, I have no debts or existing credit cards. Did I choose the wrong one, considering I may have been accepted for the 6.9 APR card? I guess the higher percent APR means that Im less likely to over spend, as I dont want to pay 25 extra on credit.If so, is there anything I can do? Lloyds have said the card is on its way and will be with me soon. Can I apply for the 6.9 card before I activate the 25 APR card thats on its way.Thanks in advance.  <response>: Considering youre not planning to carry a balance, it doesnt matter which card you use. Pay off your credit card bill on time and in full and the APY doesnt matter. 