A high FICO score is no guarantee you'll get the lowest credit card rates. If your FICO score falls, they'll raise your card rate. If it rises, they'll raise your card $limit but they will *never* lower your rate. Unless you switch cards, you'll simply end up with a high-rate, high-$limit card. Meanwhile, the FICO people advertise that high FICO scores translate into low interest rates. Don't you believe it. What a scam.