Literally nobody is making you apply for lines of credit outside your income levels… that’s entirely on you.
There’s no game to play. You take out credit, you pay it back. You have revolving credit, you pay the balance every month and don’t carry debt. It’s literally that simple.
I have never had to apply for an increase in credit limits, pay your bills and banks/credit card companies will just do it automatically.
So you’ve never had an emergency or a need for a large one-time purchase. Good for you. You are not everyone. The sooner you learn and understand that people that aren’t you exist, the sooner you can graduate high school.
Are you arguing that the system is made up or that it’s unfair to the poor?
I would agree with the latter, but you haven’t been terribly consistent in your argument. I’ve had troubles with my credit score in the past, which is part of why I understand how it works.
I agree that credit scores unfairly disadvantage the poor, but that’s merely a reflection of deeper economic issues that should be dealt with. Abolishing the credit score won’t enable the poor to suddenly buy houses.
Yes, I have indeed lol. I had a year where our hvac went out and our son second child’s birth bill which racked up thousands that we had to pay out of pocket. We had tens of thousands in unexpected bills that year.
We had to drain most of our savings and take out a large loan to cover it all. Guess what I did. Paid the damn loan back.
We had to drain most of our savings and take out a large loan to cover it all. Guess what I did. Paid the damn loan back.
Seriously? You think draining your savings is the same as not having any money, lol. You are a wee bit out of touch. Born on 3rd base and expects everyone up to bat should get a home run.
Lmao dude I was born to white trash drug addicts and never lived in one place for more than 9 months because they could never afford rent and kept getting kicked out. I have lived on my own since I was 15
Born on third base my ASS. I have worked my ass off since I was a teenager. I’ve lived in friends storm cellars, couches, and my truck at times to get where I’m at now.
I made saving a priority since my first job working at fuckin Burger King in high school.
So you had friends that helped you live at their place, do you think that maybe there people who don’t have that kind of support system? You did not pull yourself up by your bootstraps, you had a lot of help along the way.
Also, now go tell the you that was living in your truck to take from your savings and pay your bills.
Jesus dude yeah people have had it worse but it’s not a competition. You accused him of not earning his financial position and he explained how your attack on person is baseless. Having friends is a support system, it doesn’t mean you had it easy. If you were not raised by wolves, you’ve had people help you too.
Whatever you say dude. I know I had help. Virtually everyone has help along the way. If you have literally nobody that will let you crash on your couch, maybe you should look deep inside why nobody likes you.
Me living in my truck did take from my savings to pay bills. Half the reason I lived in my truck was not to be wasting money on renting some shitty apartment and draining my savings. I maintained a savings the whole time.
Keep complaining instead of doing something about it. It’ll guarantee you stay poor.
How about when you left the house to live on your friend’s couch? You had savings then? Did you pay your friends rent? LMAO, How much was your savings, $10? Did you have it in a bank account at 15? So many questions that I think you’re having battles with your inner self answering. I normally don’t like to see this kind of struggle, but this time I’m enjoying it.
When I left the house? You mean when my parents drug habits caught up with them and we ended up homeless.
I didn’t live on anyone’s couch. I spent a day or two at most at a friends house at a time.
I had a few thousand saved up. And yes had a bank account where my pay was direct deposited or my parents would steal it.
You can wallow in your self pity and tell yourself that everything is luck or some bullshit to get out of helping yourself. That’s fine. I’m doing more than well now lol.
Literally nobody is making you apply for lines of credit outside your income levels… that’s entirely on you.
There’s no game to play. You take out credit, you pay it back. You have revolving credit, you pay the balance every month and don’t carry debt. It’s literally that simple.
I have never had to apply for an increase in credit limits, pay your bills and banks/credit card companies will just do it automatically.
It’s really not hard in the least.
So you’ve never had an emergency or a need for a large one-time purchase. Good for you. You are not everyone. The sooner you learn and understand that people that aren’t you exist, the sooner you can graduate high school.
Are you arguing that the system is made up or that it’s unfair to the poor?
I would agree with the latter, but you haven’t been terribly consistent in your argument. I’ve had troubles with my credit score in the past, which is part of why I understand how it works.
I agree that credit scores unfairly disadvantage the poor, but that’s merely a reflection of deeper economic issues that should be dealt with. Abolishing the credit score won’t enable the poor to suddenly buy houses.
Yes, I have indeed lol. I had a year where our hvac went out and our son second child’s birth bill which racked up thousands that we had to pay out of pocket. We had tens of thousands in unexpected bills that year.
We had to drain most of our savings and take out a large loan to cover it all. Guess what I did. Paid the damn loan back.
Seriously? You think draining your savings is the same as not having any money, lol. You are a wee bit out of touch. Born on 3rd base and expects everyone up to bat should get a home run.
Lmao dude I was born to white trash drug addicts and never lived in one place for more than 9 months because they could never afford rent and kept getting kicked out. I have lived on my own since I was 15
Born on third base my ASS. I have worked my ass off since I was a teenager. I’ve lived in friends storm cellars, couches, and my truck at times to get where I’m at now.
I made saving a priority since my first job working at fuckin Burger King in high school.
So you had friends that helped you live at their place, do you think that maybe there people who don’t have that kind of support system? You did not pull yourself up by your bootstraps, you had a lot of help along the way.
Also, now go tell the you that was living in your truck to take from your savings and pay your bills.
Jesus dude yeah people have had it worse but it’s not a competition. You accused him of not earning his financial position and he explained how your attack on person is baseless. Having friends is a support system, it doesn’t mean you had it easy. If you were not raised by wolves, you’ve had people help you too.
Whatever you say dude. I know I had help. Virtually everyone has help along the way. If you have literally nobody that will let you crash on your couch, maybe you should look deep inside why nobody likes you.
Me living in my truck did take from my savings to pay bills. Half the reason I lived in my truck was not to be wasting money on renting some shitty apartment and draining my savings. I maintained a savings the whole time.
Keep complaining instead of doing something about it. It’ll guarantee you stay poor.
How about when you left the house to live on your friend’s couch? You had savings then? Did you pay your friends rent? LMAO, How much was your savings, $10? Did you have it in a bank account at 15? So many questions that I think you’re having battles with your inner self answering. I normally don’t like to see this kind of struggle, but this time I’m enjoying it.
When I left the house? You mean when my parents drug habits caught up with them and we ended up homeless.
I didn’t live on anyone’s couch. I spent a day or two at most at a friends house at a time.
I had a few thousand saved up. And yes had a bank account where my pay was direct deposited or my parents would steal it.
You can wallow in your self pity and tell yourself that everything is luck or some bullshit to get out of helping yourself. That’s fine. I’m doing more than well now lol.