this post was submitted on 15 Feb 2024
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They're not even subtle about it. The system directly rewards you for being in enough debt to always be paying someone interest but not enough that you might file for bankruptcy.
The only interest I pay is a mortgage, but my score is over 800. It must be rewarding for something else too.
Same, mostly. Use the credit card for the cash back and points. Pay the balance off every month. Only things I pay interest on is my mortgage and car.