<prompt> Human: Hi PF, I have a pretty decent credit score 769, two credit cards, and a car loan. The cards are both currently paid off and I have about 9600 left to pay off on the car loan. I have never made a late payment and have no derogatory marks on my credit report. Credit card 1 is from my credit union, 3,500 limit 7.9 interest. Credit card 2 is a Capital One Venture card with 5,000 limit 19.9 interest. Car loan is also through my credit union, 9,600 balance with 2.29 interest. My questions are: Why can my credit union offer me such a low interest rate, but Capital One cant come anywhere close to that? I have called them and requested a lower interest rate and they claim that 19.9 is the lowest they offer. My credit score went from 769 in June, to 740 in July through September, and is now back at 769 for October. I didnt have any hard inquiries, open any new accounts, or utilize any more credit was paying off my cards and making payments on my loan the whole time. Why the fluctuation? According to the credit tracker on Capital One, I have C grades in Oldest Credit Line 7 years - cc 1, Recent Inquiries 5, not sure what they all are? How long does it take for recent inquiries to clear?, and Available Credit 8,429 -- even though I have an A in Credit Utilization at 1. What do these mean and how can I improve them? Any help appreciated!  <response>: If you use a credit card correctly, i.e. you pay off your balances in full every month, it doesnt matter what interest rate a card company offers you. 