One of the "dazzafact" things at one time said the average APR on a credit card is 19.something%. I'm as sub-prime as you can get at this point, but I only have one card with a rate above 15.9%. When I joined my credit union last month I asked the new accounts person about getting a credit card through the credit union. He gave me all the details on their visa card -- 18.9% interest and a $25 annual fee. And that was for people with good credit! I asked if they were flexible about the interest rate and he said no, but their gold card (for people with even better credit) was variable based on the prime rate+4.5%. Could it be that I have better cards than the average person who could qualify for prime credit? What a country.