<prompt> Human: Hey guys, just wondering what you thought on this. I have 2 credit cards but both have interest rates above 20 and Im really just building credit with them. Id like a bank credit card so I can have a lower interest rate, or any card with lower for that matter. How good would my credit score have to be to get one below 20? And yes I plan on closing at least one of the 20 cards. Any advice is appreciated.  <response>: Pay your full statement balance every month and dont give a toss what your interest rate is. 