<prompt> Human: Im currently about to graduate college, and have a fairly decent I think credit score with 2 credit cards under my belt. My first credit card I got a few years ago around 2012 I believe, a student discover card. The interest rate on that card is 17.99. I have another credit card I got through one of those offers my bank sent in the mail. The interest rate on that card is 20.99. Right now I currently make about 1k a month and Im expecting to be making lots more once I graduate this summer.  <response>: If you use your credit card properly, ie you pay off your bills in full, every month, no exceptions by the statement due date, your interest rate is 0. 