Not technically correct. If you want to be able to rent nice apartments or dream of owning a house, you will have to use credit in the U.S., or you’ll at least need someone with a high credit score willing to be your co-signer.
obv nobody is forcing you to get a credit card and rack up a lot of debt, but you will face a lot of struggles in life that someone who makes regular payments on a credit card will not.
SpaceNoodle@lemmy.world 6 months ago
Being able to live isn’t a choice.
Gigan@lemmy.world 6 months ago
Are you saying you need credit to live? Because that’s not true. Lot’s of people live that way, but it’s not necessary.
BarrelAgedBoredom@lemm.ee 6 months ago
Have you ever been poor? Yes, sometimes you need credit to live. I’m still paying off debt from 2020 that I only acquired due to desperation and the threat of homelessness
520@kbin.social 6 months ago
It can be. Depending on the circumstances in life you are in, credit may be the only way you're able to pay for food.
Gigan@lemmy.world 6 months ago
You can’t do that forever though. Eventually you’ll run out of credit and have to pay for it yourself. And by that point you’re probably getting crushed by the debt from a maxed out card, that you’d have been better off not using in the first place.
IamtheMorgz@lemmy.world 6 months ago
The only people who don’t need credit to live are rich enough that money will never be out of their reach.