My credit scores are in the high 600's to low 700's. I had high utilization of credit cards (a lot of credit card debt) and my credit card companies have increased my interest rates. I am paying over 18% on most of them. In the past month I have paid off most of my credit card debt. Credit reports of course have not been updated and so far I have been turned down for lower interest rates. I am hoping once the credit reports are updated, I can get lower rates. What interest rate is everyone else paying???