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this post was submitted on 11 Sep 2023
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That's just kind of nonsensical, isn't it better for someone to not have needed a loan before? To me that seems like the more mature creditor compared to someone who's pulling credit constantly, regardless how well they pay it back.
That indeed does seem to suck, apologies for having to deal with a system as shit as that sounds.
this is what i thought and did not use credit cards for years. i was only able to buy a car with a co-signer. since then, i pay for everything with credit and pay it off all the time to build a credit history. i will need another car at some point.
It just seems silly to "force" people to use credit just for that. Out here credit cards are only used for international payments, if even that. I mean I don't have a credit card and probably never will.