<prompt> Human: I wanted a credit card with a 0 interest intro rate to transfer and pay off a 2,800 debt and for convenience vs debit card when renting cars, staying in hotels, etc. And obviously having a low rate after that debt it paid off is better than higher, just in case. I cant say I care about any other perks.I was approved for the Citi Diamond Preferred card, but with a 15.24 interest rate after the intro period, instead of the lowest 12.24 they offer. My credit score on their application is 785, so Im surprised I got the higher rate. I asked them to lower the rate and they said no, which admittedly Irritates me.should I keep the card, use the introductory rate for my balance transfer, hopefully have debt paid off by then, and then decide whether or not to keep it? Or ditch it now and apply for a different card with an intro rate and see if I get a lower long-term rate?  <response>: Why do you care about the long-term rate. Are you planning to run a balance? 