> Another thing that plays a big part in credit interest rates is a
> persons net worth. If you have even a modest net worth,(most people
> have 0 or negative net worth) the interest rates fall because they know
> you are much less likely to default and file chapter 11 if you have
> something to loose.
As far as I can see, credit card companies don't care diddly about how much money you have in the bank. I remember being turned down for every credit card I applied for, until I stayed at a single job for an entire year, despite the fact that I had 20K in the bank.