<prompt> Human: Big shocker I know.Back in September I came into some money and decided to pay off the 6000usd in debt Id amassed since turning 18. no student debt, but no college either My credit was just awful, many of the debts I hadnt paid in like 8 years. But save for my car loan, Im debt free! But, since about November Ive been getting hammered by credit card offers in the mail. Just got out and theyre trying to pull me back in. And theyre the same terrible deals that 18 year old me fell for: 30 interest, 79 annual fees...At least I know better now.  <response>: Theyre pretty great if you understand math and dont like to rip yourself off. 