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.

 

[RR Fan Dan]

My bureaus stay locked.

This is good advice. Mine are locked too. For those who don’t know, you can go online to all the big 3 credit reporting agencies and freeze your accounts. What that does is prevents anyone from accessing them. I’d applying for credit in your name. You can temporarily unfreeze them if you need to apply for credit. It’s a bit of a pain if you are applying for credit, but if you are like most on here, you aren’t applying for any new loans. It doesn’t affect your credit usage with already established accounts. It’s good peace of mind to do this as your identity can not be stolen.

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.

I have had a Capital One card for over 30 years. It’s still at the 7.99% I opened it at. I pay off every month anyway, but just knowing I beat the bank on that one, makes me smile. It’s the card I use for everything as a thanks to them.