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Credit score is a poorly implemented modern invention. (discuss.online)

submitted 17 hours ago by VetOfTheSeas@discuss.online to c/whitepeopletwitter@sh.itjust.works

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[–] PhoenixDog@lemmy.world -3 points 4 hours ago (2 children)

but I pay it off in full each month and I’m in the high 700s.

I’m young

And now you know why you're in the 700s. Give it enough time, it'll come down.

[–] BradleyUffner@lemmy.world 5 points 3 hours ago (1 children)

Bull shit. I'm 57 and been paying my cards off every month for decades. My score is 800+.

[–] clif@lemmy.world 2 points 1 hour ago* (last edited 1 hour ago)

About 30 years ago I got charged $1.56 in interest because the "interest free" period was 30 days from the purchase date, not the billing date.

...fuck that shit.

I said never again and it hasn't happened ever again.

But yeah, seconding your comment.

[–] Imaginary_Stand4909@lemmy.blahaj.zone 2 points 4 hours ago (2 children)

Thanks man, really gives me a reason and motivation to keep living /jk

I love when teachers would tell me "if you think it's bad now, wait till you're an adult!" it really adds flavor to the "where do you see yourself in 5 years?" questions and all that 😊

[–] fubbernuckin@lemmy.dbzer0.com 2 points 2 hours ago

If you think it's bad now, you're right. Being an adult is way better.

[–] hydroxycotton@lemmy.dbzer0.com 4 points 3 hours ago (1 children)

Don't listen to the person above. Keep doing what you are doing and it will go up. Especially as you have more times of credit. Mortgages, car loans etc.

[–] Imaginary_Stand4909@lemmy.blahaj.zone 1 points 2 hours ago

Yeah, I know. I just wanted the guy to consider if was being an asshole for a few minutes.

I can totally recognize the fact that I'm lucky to have parents who are doing financially well and are willing to provide most of my basic needs while I finish college, which allows me to have a good credit score as I really only have to pay for gas, car stuff, and miscellaneous things.

But I can also pat myself on the back at least for not blowing through my cash and maxing my cards on stupid shit like cars & designer clothes.

And besides, it's not like anyone gets a prize for winning the "Struggle Olympics" I just want to not be miserable in the future, and I'll take anything I can to reach that goal.