[quote=davelj]I hear you flu, but… after a 15-year period during which credit was clearly WAY under-priced across the board, should we complain about it when someone – particularly a bank that owes We the People a lot of money – starts to price in risk in earnest into their credit products? I agree that’s a high rate. But imagine how much better off we’d be right now if BofA and their ilk had starting charging rates north of 30% a decade ago.[/quote]

Oh, I’m not complaining. I’m just curious what I did to get this incredible rate. I’m pretty sure my credit score is above 800. Maybe I should check again.