<prompt> Human: I recently paid off a few loans 1500, 8000 and my credit score has dipped 30 points. I was offered an REI Mastercard, but with an interest rate of 18! Is it worth opening an account to improve my credit score provided I rarely use it? Edit: I also plan on taking out an auto loan under 15k within the next couple of months. How would REI CC impact this?  <response>: the APR doesnt matter ifyou never carry a balance. 