<prompt> Human: Looking for advice. Im in my early 20s just got a job and started working. I got my first credit card and it has 0 APR for 15 months then jumps to 12.99... This seems insane and almost like a trap designed to screw young people. What kind of interest is reasonable to expect from a credit card and can I negotiate a better rate later? Any advice would be appreciated.  <response>: Who cares; if you pay off the full balance on time, every time, the APR is perpetually 0.Id take a card with 80 APR if it offered 2 cashback. 