Your life may be different, but my experience is you get a credit card and then use it like it’s debit. Don’t get tempted, always pay off 100% etc. This builds easy credit. Also occasionally accepting those 0% for 3-6 month loans for furniture and the like but then pay it all off in the first month or two. This allows you to play the game and get the points they want you to have without falling into the traps.
How about we end our horrible social credit score system?
The Credit Score was created in 1979 as an elaborate way to keep denying loans based on race after it became illegal.
I’ve tried 3 times to get a credit card, all stolen and caused a nightmare with my bank that hurt my credit more.
And that’s not even adding in the scummy practices with overdraft fees and how banks make you trigger them.
For some reason they make having a credit card the most dangerous financial decision you can make, while also fircing you to use then for the privlage of buying shit you can afford.
Your life may be different, but my experience is you get a credit card and then use it like it’s debit. Don’t get tempted, always pay off 100% etc. This builds easy credit. Also occasionally accepting those 0% for 3-6 month loans for furniture and the like but then pay it all off in the first month or two. This allows you to play the game and get the points they want you to have without falling into the traps.
How about we end our horrible social credit score system?
The Credit Score was created in 1979 as an elaborate way to keep denying loans based on race after it became illegal.
I’ve tried 3 times to get a credit card, all stolen and caused a nightmare with my bank that hurt my credit more.
And that’s not even adding in the scummy practices with overdraft fees and how banks make you trigger them.
For some reason they make having a credit card the most dangerous financial decision you can make, while also fircing you to use then for the privlage of buying shit you can afford.