BTW my credit rating is over 800 and I’ve always paid my debts on time and usually early and don’t expect a better rate than someone trying to develop a credit score.
Then you're either full of it, or utterly foolish, because that is EXACTLY how it is supposed to work. Those that pay their debts are less of a risk, so they have EARNED the better rates.
The person just getting started is a significantly larger risk, and as such, they pay extra for the privilege of borrowing from someone.
You get rewarded for proving yourself to be a lower risk borrower.
