this post was submitted on 29 Apr 2024
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I use my credit cards for everything I purchase because I get some cash back or other incentives along with fraud protections.
My brother’s a psychopath who plays his credit score like it’s a game so he has like ten cards and a 800+ score he’s proud of.
I make nearly three times as much as him and it took me forever to get an 800 so maybe he’s onto something but fuck that game.
I believe when you get serious about the tactics it’s called churning and manufactured spending
While you were at parties, I studied the FICO.
Under my tutalage, I have elevated my husband into the ranks of the >800.
I just use credit for everything and hover in the 820s. Unless there's some substantial discount for paying cash I just don't see the point these days.
That being said, my wonderful credit score ain't doing shit for me. It's not like I get some magical super low interest rate. Maybe when things calm down it'll be worth it, but then there will be some other reason not to borrow money.
There are some nice perks to good credit outside of interest. It can qualify you for better housing, better perks on certain rentals, not having to worry about emergency situations killing your savings outright, and let's you take advantage of stuff like cash back and bulk purchasing discounts. An example is staple foods, being able to hit the once-a-year bulk deals on stuff like rice or Lawreys garlic salt can cut the price of those items in half or better (personal examples, but the thought should hold). Ancillary perks, but they do add up.
"Credit Score" exists purely to sell you more credit score. It's only there because they were forced to let you see your own credit history, and they figured "why not monetise that somehow", so now you'll be bombarded with ads for more credit and loans, which boosts your "score" while giving them a sliver in affiliate fees.
Actual lenders will examine your credit history, and apply their own score. The criteria for a phone contract, am unsecured bank loan, a mortgage, etc, will all have wildly different requirements. I have one credit card that I pay off each month, and that was enough to get a house.
Paying what you owe reliably is all they're really looking for.