<prompt> Human: Like the title says I have a credit score of 743 but I continue to receive credit card offers with horrible APRs in the mail. Why is that? Shouldnt I be receiving better offers in the mail than 18.99?Edit: ok so just to clarify I am getting good APRs for credit cards for my credit score and I should get a credit card with a good rewards program. what card has a good rewards program that I should use?  <response>: If you are using your credit cards correctly, i.e. you are paying your bills off in full, every month, no exceptions by the statement due date, the interest rate doesnt matter. Your effective interest rate will be 0 in this case. 