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Student Loan Consolidation. 3% interest good? Do you know of lower? + A credit question.

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Lifer
We just consolidated my wife's student loans of 20k down to 3%interest for the first 3 years, if you pay on time every time for 3 years, it drops down to 2% for the remaining time of paying it off..


Does this sound like a good rate, or does anyone know of better?






Credit Question: We have the option of putting the loan payments charged to the credit card monthly. This credit card has a limit of 4,500, and the loan payments would only be like ~200 a month. Would having 200 put on a credit card, and then paid off each month so no interest accrues be good for the credit? If not would it be bad? If it is, we can just direct it through the bank account.


Thanks for the help guys!
 
It would be good for the credit. Activity on the card when you pay it off in full or make the minimums is a good thing. Definitely go for it.
 
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