<prompt> Human: Hi,I have a 744 credit score.I used only one credit card all my life Im 20 years old, which is a basic 0 annual fee with no rewards.I receive an offer of a pre-approved rewards card with a 9000 credit limit with 89 annual fee TD Aeroplans Platinum.Sounds awesome! I get some travel air miles from my regular monthly spendings...but heres the thing -- I dont spend enough per month to justify the annual fee of the new credit card; the net gain is about -29.Should I accept this offer?  <response>: No. Get a rewards card without an annual fee. Chase Freedom, Amex BCE, Citi Double Cash, etc. 