My score is always in 660-760 range over yearly view, and many of my cards are around 24 to 29 % apr. But as you said, I pay all of them every month, so zero in

My score is always in 660-760 range over yearly view, and many of my cards are around 24 to 29 % apr. But as you said, I pay all of them every month, so zero interest paid since 2019. Only a credit unions rewards visa is 12%.