Oh yes daddy credit please

Comments

• vateso5074@lemmy.world ⁨1⁩ ⁨day⁩ ago

  Yeah the system makes no sense. I got dinged -12 points this week for some reason, apparently for continuing to pay my student loans on time and using my one credit card for the exact same purchases I always do, which I likewise always pay off each month automatically.

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  • SARGE@startrek.website ⁨1⁩ ⁨day⁩ ago

    It makes perfect sense when viewed from “the credit companies work with lenders to ensure your credit only rises if you’re constantly in more and more debt but still paying it like an obedient little wage slave”

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    • JoMiran@lemmy.ml ⁨1⁩ ⁨day⁩ ago

      This is the answer. I have no debt and pay my credit card off in full every month, automatically. Because of this, my credit score is mediocre. Economic slavery is always the goal.

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  • plateee@piefed.social ⁨1⁩ ⁨day⁩ ago

    I’ve gotten dinged for not having *enough* accounts/credit lines.

    My old car payment fell off last month, and I bought a car with cash (not a great car, but it was cheap) - now I’m in the “fair” zone.

    But fuck me for not wanting a shitload of credit cards/loans, right?

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• Kolanaki@pawb.social ⁨1⁩ ⁨day⁩ ago

  Shit, I’ve had a credit score of 750 or more for years, and yet I can never get approved for any loans other than small, short-term ones like from a cash checking service to get an advance on a paycheck.

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  • CHOPSTEEQ@lemmy.ml ⁨1⁩ ⁨day⁩ ago

    I was in a similar boat for the first few years out of college. Like, totally fine score, couldn’t even get a PayPal credit for under $1000 for some reason.

    When I met my wife and we secured a credit union mortgage, everyone just started throwing credit at me. My score is sky high, so every account keeps raising my limit, which raises my score, etc. it’s all a bunch of bullshit.

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    • Kolanaki@pawb.social ⁨1⁩ ⁨day⁩ ago

      The only crazy thing I noticed after getting married was how people speak to me when I wear the ring vs when I don’t.

      I still wear the ring even tho I am no longer married just because people are often friendlier when they see it.

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• FosterMolasses@leminal.space ⁨1⁩ ⁨day⁩ ago

  Student loan is a scam, don’t pay.

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  • realitaetsverlust@piefed.zip ⁨1⁩ ⁨day⁩ ago

    Not paying a financial institution might be the worst advice you could give. That’s like not paying the mafia.

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