<prompt> Human: Im out of college and have been working in my field for 1.5 yrs. never had a credit card or credit score but have been paying student loans for the last yr. I paid one off in full already 15kand never missed a payment on any of the others.I was under the impression that at my credit would be good. I walked into my bank and was approved on the spot with a relatively high limit but with an APR almost at the maximum you can get with this card.I was under the impression that if my credit was good Id have a high limit and a low APR, or if i had bad credit, a low limit with high APR. Is this normal and does this imply anything?  <response>: Your APR shouldnt matter because you shouldnt be planning on carrying a balance 