After years of careful money management, I have near-perfect credit. I'm fortunate enough to enjoy the lowest available interest rates on my cards and loans (at the time of signing) but is that everything? Are there other perks that I'm not taking advantage of? I don't need to make a major purchase anytime soon, knock on wood, so I'm wondering about hidden benefits that get less press. It's been a lifetime of hard work and strict budgeting, so I want to take full advantage of my efforts.