I have several credit cards I use regularly, and literally don’t know or care what the interest rates are because I pay my statement balance every month, which I can do because I don’t buy more than I can afford.
Also every bank has a fee schedule they are required to make public (so you can see it before you even do any business with it, so you can very easily shop around for those with lower/fewer fees) and directly provide to everyone upon account opening. If you are ever surprised by a fee a bank charged you, that’s on you, period.
That was me too, for many years. Credit score well into the eight hundreds. But life isn’t always fair. You’ve been fortunate not to have the rug swept out from under you so far. Don’t get too comfortable. Shit happens.
I have several credit cards I use regularly, and literally don’t know or care what the interest rates are because I pay my statement balance every month, which I can do because I don’t buy more than I can afford.
Also every bank has a fee schedule they are required to make public (so you can see it before you even do any business with it, so you can very easily shop around for those with lower/fewer fees) and directly provide to everyone upon account opening. If you are ever surprised by a fee a bank charged you, that’s on you, period.
That was me too, for many years. Credit score well into the eight hundreds. But life isn’t always fair. You’ve been fortunate not to have the rug swept out from under you so far. Don’t get too comfortable. Shit happens.
You are incorrect.