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19Where did you get your FICO score from? A score of 850 seems unlikely.– Ben MillerCommented Apr 25, 2023 at 2:01
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29If you can pay it off in the next paycheck, why are you worried about the interest rate? Pay the balance, use it only when absolutely necessary (maybe use cash when travelling?) And stop worrying about the interest rate.– D StanleyCommented Apr 25, 2023 at 2:11
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8What country are you in? Laws differ from place to place.– littleadvCommented Apr 25, 2023 at 3:01
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5Just fwiw: note that a "pre-approved" card offer mostly means someone approved sending you the advertising, not that you are actually mire likely to be approved for the card. Ignore that word– keshlamCommented Apr 25, 2023 at 16:02
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4850 with just 1 credit card? I doubt that. Experian's advice for a perfect credit score is at least 5 open accounts in good standing. Perhaps what is really going on is someone has been using your info and was paying the CCs which got you to 850, and now they aren't paying. Check your detailed report at any of the 3 credit bureaus' websites. Since you mentioned Experian, start there.– rtaftCommented Apr 25, 2023 at 23:31
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