“we have a stellar rating and the rate is still going up “
If you pay your credit card bill every month why do you care what interest rate they charge?
I usually charge around $4,000/month on mine but pay it off as soon as the statement is available on line.
I have no idea what mine charges and don’t give a damn!
I’ve never paid interest for anything in my life including my airplane except for the mortgage on my first home that has been paid off for over 20 years.
principle
likewise - we pay ours off every month