<prompt> Human: I am a 21 year old who is trying to build his credit. I recently applied for a Citi Bank students card, no APR for the first year, but after the first year its a 25.99 interest rate which is insane. Does it matter if its that high if I intend to pay it off every single month? Will it drop at some point if I have a history of paying it?  <response>: No, interest rates on cards should never impact you. I have two cards, one is like 18 and the other 25. 