this post was submitted on 19 Jun 2025
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It is stupid, but you can just get a credit card and always pay it off so you don't get charged interest
Last I checked, you don’t even need to use the credit cards, you just need to have them. IIRC, they only ding you for late payments and for having high balances.
They need to be "active", and "paid as agreed", which doesn't mean a whole lot. You are perfectly fine to get a pack of gum each month, and pay the balance in full. Or put a monthly bill on your CC, or just use it for gas. Just so there's activity each month.
Obviously avoid any that have a fee, and pay it in full each month.