The most important factor that can influence which rates and fees you might be offered by a credit card issuer is your creditworthiness. The higher your credit score, the lower your rates, and fees will be. The opposite is also true, and the lower your credit score, the higher the charges. This is simply because credit card issuers act as lenders, and they’re taking a risk by giving you money since you might not pay them back. If you have a history of paying all of your debts and bills on time, you’ll seem like less of a risk and vice versa.