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What is your interest rate on your LOC with MBNA?This should give you an idea how you rate.A score of 630 is below average as far with credit scoring goes.Have you been in default in the past?A score of 680 or more is good score for any low interest rate credit no matter what type of credit that you are seeking.Most likely you have a A.P.R. of 21.99% if not higher on your MBNA loan.That is my guess based on your score.There are others on this board that can give you their opinions on your credit score,and what they think of that number.What i can say is that this score does carry high interest rates on all loans.
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