Does a person with a perfect credit rating exist??

[YY1]

My credit union card is fixed 9%.

Almost all cards now are variable and as high as 20%. Some are more.

I haven't seen one below 10% in a long time.

 

[Hey-O]

My gf gets two offers a week from discover, and shreds them.
I might sign up for a discover..... but I never get one, lol.
(But, if you forget to make the payment on time, just once, the interest and late payment charges eat up ALL that tiny bit of cash back, several times over.)

Just use it like cash and you won't have to worry about late payments.