<prompt> Human: I am 25 years old and for the past 7 years I have damaged my credit severely. Just within this past year I have been trying to be better, I have a savings account and am saving up money and paying all my bills online on time or even early. I am still not able to apply for a credit card though. I want to be able to finance things for myself and build my credit back up. I was looking into the quicksilver capital one card. It says it has 0 into APR until june 2014. This is a big deal because most cards for someone with my credit have interest rates of 22 or higher. My plan is to apply for this card, take advantage of the 0 intro apr until june, hopefully build my credit up decent enough, then cancel the card. Will there be a catch involved? some kind of scam or hidden fees? Please help ! Thanks!  <response>: Im sorry, youre looking for a credit card and planning on not paying it off in full every month? Dont get a credit card until youve had the paradigm shift youve needed for 7 years.Theres a right way to use a card and this is not it. 