<prompt> Human: Hello pf,I recently applied for a motorcycle loan with my credit union; they were advertising a rate of 1.99 APR for well qualified buyers. After putting in an application, they told me that I was considered to have fragile credit since I only had two credit lines open. A credit card that I pay in full every month and a car loan. They offered me 7.5 instead, which I refused out of principle-- Ill buy the bike with cash instead. Does anyone know what I can do to fix this? Like I said, I had a credit score of 760, only two lines of credit open. Im pretty young 23 and I make a good salary about 65k, so what can I do?EDIT: Also worth mentioning that the car loan is 90 paid off.  <response>: The advertised APR may just be for advertising purposes and they actually consider almost no one well qualified. If your score is really 760 shop around a little more. Youll find a better rate. 