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It’s a kids movie in the same way that the original Grimm’s and Hans Christian Andersen fairy tales were kids stories.

I just sent it to you via telekinesis. If you didn’t get it, I dunno what to tell you. Sounds like a skill issue.

True. But to be clear I literally just put the first thing that came into my head in there. I should have just used a fake company instead so as to not distract from the point.

You could not be more incorrect. The Bible is undeniably, explicitly pro-slavery. And Hebrews owned slaves (both Gentile slaves, and Hebrew slaves. Their own people. Classy).

https://www.biblegateway.com/passage/?search=Exodus+21&version=ESV

20 “When a man strikes his slave, male or female, with a rod and the slave dies under his hand, he shall be avenged. 21 But if the slave survives a day or two, he is not to be avenged, for the slave is his money.

They Old Testament were rules for the Hebrews, and in it there are rules for how to treat your Hebrew slaves. Huh.

“Now these are the rules that you shall set before them. 2 When you buy a Hebrew slave,[a] he shall serve six years, and in the seventh he shall go out free, for nothing. 3 If he comes in single, he shall go out single; if he comes in married, then his wife shall go out with him. 4 If his master gives him a wife and she bears him sons or daughters, the wife and her children shall be her master’s, and he shall go out alone. 5 But if the slave plainly says, ‘I love my master, my wife, and my children; I will not go out free,’ 6 then his master shall bring him to God, and he shall bring him to the door or the doorpost. And his master shall bore his ear through with an awl, and he shall be his slave forever.

-Exodus 21

https://en.wikipedia.org/wiki/Jewish_views_on_slavery

And the New Testament is no better. John tells slaves to obey their masters. And Jesus, despite being absolutely steeped in slave culture, never once had anything negative to say about it. Pretty damning. Tacit approval by omission, if you ask me.

I just find it interesting and convoluted, not trying to imply anything about any kind of conspiracy.

Huh, I’ll have to take a look at mine. I usually just do credit karma. My score has gone up considerably since the years where I was worrying about credit utilization percentages. I’m wondering if it has to do with how many other things you’ve got going on that also indicate good credit.

In other words, when I was just out of school with shit credit and student loans to pay back, they had very little data on me to determine my “worthiness” or whatever, so my only real option was to open credit cards and to use them maybe?

Maybe now that I’ve been consistently paying my shit back for decade(s), they don’t put as much weight in credit card utilization %?

I wish I had a screenshot from years ago, but it was like the exact opposite. Like some “Your score is low because your ‘WELLS FARGO N.A. XX86’ credit card utilization is only at 11%. Please increase utilization of this account” bullshit. And all of the links they’d give you were about how you want to keep it at like 30%.

Maybe I’ll go to credit karma today and see whats up. I hate credit cards, and I hate carrying a balance but it was drilled into my skull. My credit score is great right now so maybe I should just pay em all off.

Sorry if im rambling, I took a nice strong edible today.

Edit: Is it possible that the discrepency between the 850 and the 826 as reported by Chase (a bank) to be itself the “penalty” as you say?

Otherwise, it would be an easy hack to raise your kid’s credit score to open a bunch of credit cards for them at birth, and do just the bare minimum to keep the accounts active.

I think this might actually be a thing that people do (however, kids don’t have a credit report til they hit 18):

https://www.chase.com/personal/credit-cards/education/build-credit/how-to-establish-credit-history-for-your-child

At some point, the credit card company will probably increase your limit to $2000, at which point your score will again go up.

Or not, because your credit utilization % would decrease. (Edit: Actually I guess maybe two things are happening: an increase to the general score for having more available credit, but also a (likely smaller) decrease to the score for now having a lower utilization %).

I’ve literally had this happen to me. It wasn’t a large decrease, maybe something like 8-10 points, but it definitely happened.

I’m sure the algorithms that these agencies uses are much more complex than what we can get into here, so I’m sure the exact end results can vary wildly from person to person.

However, I can tell you from personal experience, that my score went down slightly after the bank increased my credit limit on one of my cards. This was years ago, maybe they tweaked things, I dunno…

edit:

re-read the other part of your comment:

In your example, if you close that card, your score is likely to go down, as the total credit available to you goes down

I think this is true as well… If i recall, it didn’t seem to be a “total credit utilization” as in, add up all availabale credit from all sources (including student loans, etc.), and use that as the denominator so to speak, that was what hurt my score. But more like on a per-card/account basis. If that makes sense at all lol.

Like “credit cards” is just one of many sections that factor into the total score. You could be doing great with your student loans, car loans, mortgage, etc. and that will give you a good score.

But then if credit card aspect (module?) only has 1 card open with a $5,000 limit, and you keep the balance at $0-$200 or whatever, then that’s going to negatively affect the overall score.

Man I hope that made sense at all, I’m a bit stoned at the moment lol. Made sense to me haha… I think I remember creditkarma explaining this to me years ago when my credit was in the shitter. I do know that paying attention to credit card utilization % did quite a bit to help me get my credit back up.

Remember Mr. Hope and change? Well he was more to the right than Colin Powell.

Some of us are old enough to remember the Obama years (and Powell). This shit is just an outright lie.

He would have kneecaps Social security if there wasn’t a group of Tea party that couldn’t be seen working with him.

Outright lie.

Obama was a milquetoast, liberal disappointment. But how about getting your message across without blatant, absurd lies? Have you tried that yet?

Are you interested in educating people about Obama’s deficiencies, and how to avoid them? In showing people that he was a disappointing, capitalist, center-right president?

Or are you just interested in making stupid shit up instead? Because the latter tactic unquestionably undermines completely any valid argument you may have had.

That’s great. I’m sure you have more than just a credit card, and those other things have a much larger affect on your score. And there’s probably a million other variables in there.

I am not going to claim to know the exact formulae used… But it’s my understanding that something around ~30% utilization for credit cards is optimal in terms of the agencies giving these scores.

Say all you’ve got are student loans (that you’ve been consistently paying back for like a year), and you’ve got a score of say 600 and you want to try to establish credit.

If you open up a credit card with a $1,000 limit, your score will immediately go down to like ~585 or something, despite the fact that you don’t owe any money on that card and have $1,000 more credit available than you did before. Yes, it’s fucking stupid.

(I’m admittedly pulling these specific numbers from my ass, but this is nearly exactly what my experience was many years ago).

I didn’t say it was the entire score (unless all you have is a credit card).

You can call up the agencies yourself and ask. They will tell you that the optimum is something like ~30% credit utilization. More or less than that will affect your score negatively.

I imagine how big/small that affect is depends on all sorts of other factors.

Edit: It’s stupid. Shortly after college, when I had to start paying back student loans, I decided I wanted to try to “build credit,” so I got one of the few cards they were willing to give me. My (already not great) credit score immediately dropped.

When I looked into why, I learned about “credit utilization” and why you always want to carry a balance if you want to build your credit.

It’s fucking stupid.

Pays well, but it will fuck your body up.

Look for contractors that do government-funded projects as they usually need to adhere to prevailing wage. Which is usually quite high.

I can’t speak to janitors specifically, and I’m sure it varies by school, but many schools will provide tuition benefits to their employees. Meaning, you (and possibly even your immediate family) might even be able to go to college for free.

Look into the public sector in your area. Local or state government.

Probably better than minimum wage, plus usually great benefits. Many are union as well.

I like having fish as an option, but don’t think I’d ever use it as my default.

If I have a long command that uses long filenames, or I don’t remember the syntax of something, I can just type “fish” and it’ll open up a fish shell.

Mamdani just brought her into his administration in NYC

The only national emergency is him raping kids

Yeah, that’s far from the only national emergency.

Credit utilization absolutely counts towards your score.

If you have a credit card with a $1000 limit, but you run an average balance of $100, go ahead and close that card and watch your score immediately increase.

You’re missing their point.

If you pay off a loan, your credit score will likely decrease. Why would someone who’s able to pay off a loan be considered a higher risk than someone who pays $x a month to slowly pay down the same amount?

It’s absolutely about potential profit over risk. In the latter situation, the bank makes way more money.