Im shocked. Because of my Ch 7 all my cards have really high interest rates. My Cap1s were at 19.15% (yea i know) but they lowered them this month to 18.15% and 13.90%. I was in shock. In the process they upped my husbands from 19.15% to 20.55%.
What Im not understanding is I pay all the bills and theyre always on time so why would mine be lowered and his upped?! So at this point I have crappier credit 582 is my score and all my rates are lower than my husbands whos score is a 650. Whats going on? It makes no sense to me.


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