<prompt> Human: I wanted to know if anyone has the TD Bank Cash Credit Card and whether or not I should choose to activate it? Thy are offering a credit limit of 14,000 with a 23.49 APR but my credit score is in the high 600s. I know thats incredibly high for an APR but this would only be my second credit card so I feel like theyre just playing it as safe as possible. My credit score is lower than it could be because of student loan stuff a few years ago Im 24 now, but ever since Ive been really good with money and I now understand how this whole credit thing works. I plan on using this specifically for the cash rewards 2 cash back on dining and coffee and 1 for every 1 spent anywhere anytime and there is also no annual fee.Based on this information should I consider activating this Card? Thanks  <response>: Why would you apply for a card you didnt want to activate and use?Either way the account is already open and the damage to your credit report is already done. You might as well use the thing you signed up for. 