One big consumer pain point that causes hesitation to even apply for a credit card is the high interest rates that come with them. As of this writing, the average credit card interest rate is about 25% in the United States. Instead of offering an introductory 0% "teaser" rate, maybe a product with a low permanent interest rate for highly qualified customers could be a hit. We don't know for sure what SoFi's exact growth plans our. But management has made it clear that this is going to be a focus area. Despi ...