Since we are slinging anecdotes around, starting with TFA, my wife and I file jointly, have what I believe to be a good credit score. I filled out what little f

Since we are slinging anecdotes around, starting with TFA, my wife and I file jointly, have what I believe to be a good credit score. I filled out what little form there is for both of our cards. Put down the same income, etc. I think our credit limits are the same (need her phone to verify), but she got 13% and I got 18% APR. Now how the hell is there a five percent difference? Not that it matters because they both get paid off, but WTF? (And 18%; seriously, GS?) But on topic, she got the considerably better interest rate.