it's not really bad, it would serve you well to lower it. that can be done through cardio (hence, cardiovascular) training. the more beats per second, the greater the strain on the heart. over time, like 20-30 years, it takes its toll. think of it like mileage on a car. the more miles over less time equals greater wear and tear.
Resting HR is largely genetic. You can probably lower it 10-15 beats per minute with training though. I don't think mine has ever gone below 60bpm and I used to do up to 150 miles/week road cycling. The average resting HR of a Tour de France cyclist in 1999 was 63 bpm, although there was one guy whose rate was 33 bpm. These are guys that bike 20,000 miles A YEAR!
i'm somewhere between 52-55. dial tone is probably, to some extent, about genetics. but cardio will definately help bring it down a bit. like i said, you gotta look at it over the olong haul.
Really about the only way you can determine your true resting heart rate is by checking it before you get out of bed in the morning. Do that for 3 mornings then average it. Cardio increases you stroke volume (amount of blood pumped per beat) so the more blood it pumps, the less your heart has to beat. 75 sounds pretty high.
at that time i was yes...i was biking about 100miles a week. For me that was a lot. Right now Im doing no cardio (bulking) So i doubt its that low...but its still down there