Credit: Pervis (@PervisTime) - Twitter
Nitter link: https://nitter.cz/PervisTime/status/1700928952670245321
RSS Feed: https://nitter.cz/PervisTime/rss
this post was submitted on 11 Sep 2023
2329 points (96.9% liked)
Comic Strips
18283 readers
1263 users here now
Comic Strips is a community for those who love comic stories.
The rules are simple:
- The post can be a single image, an image gallery, or a link to a specific comic hosted on another site (the author's website, for instance).
- The comic must be a complete story.
- If it is an external link, it must be to a specific story, not to the root of the site.
- You may post comics from others or your own.
- If you are posting a comic of your own, a maximum of one per week is allowed (I know, your comics are great, but this rule helps avoid spam).
- The comic can be in any language, but if it's not in English, OP must include an English translation in the post's 'body' field (note: you don't need to select a specific language when posting a comic).
- Politeness.
- Adult content is not allowed. This community aims to be fun for people of all ages.
Web of links
- !linuxmemes@lemmy.world: "I use Arch btw"
- !memes@lemmy.world: memes (you don't say!)
founded 2 years ago
MODERATORS
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
if you never take loans or use credit cards, your score won't be very good. you have to prove that you can take on debt and repay it, not just that you can be responsible with your money (by, for example, never taking debt).
That sounds unfathomably stupid.
I mean if I'd have to choose between giving money to someone who's never before had to take a loan vs someone who lives from credit to credit, I'd choose the first guy any day.
i mean, yeah. i agree. but those are rules of the game for plebs in the US. (i'm sure things are different for the super-rich.) you wanna rent an apartment or buy a new car? you have to show good credit or have someone with good credit co-sign any agreement/loan. you might do it on your own if you can show enough income (for rent) or can purchase a car outright (pay the total amount).
you can do these things with bad credit, but you will pay a higher interest rate or settle for something sketchy.
i can't speak to house-buying (looooool, add me to the list of americans in this thread who will never own a house), but i'm pretty sure it's the same.
It's not really stupid from their perspective. It's about risk analysis. Unknown is riskier than someone who has been proven to pay off their debts.