I had pretty good credit rating, in October 2016 I was offered discount which i took but to my surprise, it was a credit card check that after checking decreased my credit rating. In December 2016, I had financial crisis, which is still going on and I am borrowing money from different people (e.g siblings) so I had to apply for an American Express card, which was also rejected. Then I had searched for a Marbles Credit Card, which affected my rating again but they offered me a card on 44.9% APR.
Now, I am confused if I should go with them or not. As people keep telling me it will be too much APR/interest to pay. So in 2 months my credit rating went from very good to poor and my bank won't give me loan as well. Am I taking off a loan from website as amingos loans to help me build up my credit rating or what should I do as my bank won't give me overdraft as well.
Edit: I use Experian for credit score checking.