I am having the worst germination rates ever this year. But let me say that seeds kept moist for a few months in the fridge will germinate in the fridge, found that out by experience last year when I was slow getting all my seeds planted.I was not trying to germinate them in the fridge, it just worked out that way.
Now in the past two years I first used cotton balls in the little zip lock baggies, that was too moist and caused a lot of mold. The next year I just used a small piece of paper to retain moisture in the baggie, that was too moist also, and caused mold. This year I just sprayed a quick squirt of water in the baggies and so far that is working much better.
I wanted to try the vermiculite or perlite this year, but forgot about it till sooby just reminded me.
The germination rate has been terrible for me this year due I think to the media I used to plant the seeds in. I did not think it was the seed, and that was proven when I sent some to a member on the site here, they germinated during shipment. So I tried that here, just took a few baggies out and laid them on a table in the laundry room, yep they sprouted in a couple of days.