I'm in a no man's land where I agree with both positions, but reading this post I realise that perhaps I've been a victim of APR envy as you say. Now is definitely the worst possible time to change the APR at Savings, that's undeniable.

I've been signing a 15% apr on my witness for a few days now, after some reflection and after reading some opinions like yours makes me reconsider raising it again.

thanks for feeding the grey matter