americans spend literally their entire life in service to this
Just pay your bills on time. It's not hard.
>never missed a payment>never been on unemployment>still a GoodcelHow do you escape it bros?
>>221211619Manage debt in an account.
>>221211554I just don't buy much on credit. Simple as.
>>221211554https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports
>>221211554I just make every purchase on credit, and pay it off every week. I have a 770, I don't understand how people could fuck it up.
You have to max out a credit card and never ever pay it off and miss dozens of payments for your score to go below 700. If your score is under 700 you are like a crackhead maniac or something. I don't think anyone who hasn't gone to prison thinks about their credit score.
I'm 31 years old and don't even have a credit score
>>221211716
>>221211716how? you never bought a car, never got a credit card, never bought a house, and never rented anything? what have you been doing for 31 years?
>>22121171632 and same
>>221211758>buy a house in 2026lol nice joke anon>buy a carCan easily buy one second hand and pay immediately
>>221211758Spent the last 13 years doing jack shit to be completely honest. Have almost nothing to my name and still live with my parents. Next car I buy will be a shitbox for like $2000.
>>221211960dont you get bored doing nothing?
>>221212020I have a mcjob but have not been smart with money. Signing up for an electrical course at my local college. Probably too late to have sex or look for love but I at least hope to die in my own house.
>>221211554wouldn't be an issue if everyone was jamming credit cards down your throat. they also increase your credit limit regardless of whether you're making more money or not. the whole thing is designed to trap people and when you first get one it has this cute little innocent face, but that's just a mask. you can't even buy something on Amazon without them trying to jam a credit card down your throat.
>>221212148if everyone wasn't* jamming credit cards.
>>221211554i have never owned a credit card
poors are too stupid to understand how credit works
>>221211554>If you’re reliable and pay your loans back according to the deal you made when you borrowed the money, you’re eligible to take out future loans at lower interest rates and higher sums of money>if you’re a jeet tier scammer you’ll have to pay higher interest rates if you want people to assume the risk of lending you moneywhat’s the problem
>>221212100>I have a mcjobWhat kind of job is that
>>221213588Anything low wage
>>221212148Honestly if you're dumb enough to think you're credit limit is free money then you deserve to be in debt
I don't understand why people even have credit cards in the first place
>>221213613Cash back goy reward points
>>221213606nobody thinks it's free money. people think well my creditor evaluated my history and decided that I can pay back [X] amount. there's no logical reason to increase someone's credit limit unless they request it.
>>221211554It's important to know hospital bills don't go against your credit score. They will call you nonstop but you can tell them to fuck off if you don't want to pay.
>>221213645>people think well my creditor evaluated my history and decided that I can pay back [X] amountYou can only pay back what you can pay back. Are these niggers too stupid to read the numbers in their bank account and do basic math?
>>221211554>social credit isn't a thi-ACK
>>221213681it leans you into a mental place where you start thinking you can carry a balance for a few months. then a few months turns into a year and so on.
