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WJKramer t1_jeb9j0o wrote

Credit cards with better rates? Why would you care about rates? You obviously pay them off every month with an 850 score. There is nothing you need to do with a credit score other than maintain it for when you need it to apply for credit.

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HobbesNJ t1_jebhf1x wrote

Yeah. I've got an 850 score and haven't carried a balance on a credit card in 20 years. I pay no attention to the interest rate of my credit cards.

I suppose if I need to get another mortgage someday the good score might come in handy, but otherwise it serves no real purpose in my life.

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