Mine's right around 800 and I haven't paid a dime of interest on my credit cards in 20 years because the balance is paid in full every month. I've paid interest on my student loan.
You can't really separate paying back the loan and the banks making money from you. They go hand-in-hand if you reliably pay your bill on a loan.
“You can’t really separate paying back the loan and the banks making money from you. They go hand-in-hand if you reliably pay your bill on a loan.”
Sure you can. Banks want people to live in debt. Its even written into tax code. A bank carries that loan to you as an asset. This has a profound impact on the way banks operate.