I was trying to do ballpark-comparisons. CC-rates are generally thought of as high-but-not-prohibitive. So being in the range of een CC-rate on first guess woul

I was trying to do ballpark-comparisons. CC-rates are generally thought of as high-but-not-prohibitive. So being in the range of een CC-rate on first guess would land you in high-but-not-prohibitive-land. Totally right that the duration of an average debt is massively different, although I expect there to be many people that constantly roll-forward their CC-debt.