Hey, that price ain't too bad... if I talk it down first.
I think that it might be best if I just wait a few months and save my money... a "secured" credit card transfer just took 500 bucks out of my account... Oh well, maybe after I use it responsibly and work my credit up, I can get rid of it, sheesh.
Next question, which generates credit faster, carrying a small balance over each month, or paying it off every month. (which I plan to do)