They want you in debt so you're forced to work, and so that they can grift interest money off you. According to their system it's irresponsible to not have debt, and it's also irresponsible to ask what their magic number is.
I've got dings on my credit report for no debt lol. I get dings for not using enough of my credit limit and also for using too much. It's a stupid system that exists to measure how easily banks can fleece you.
I have serious doubts that I'll see one in my lifetime, unfortunately.
Not with that attitude you won't
Credit scores. It goes up when you have more debt and goes down when you pay your debt off, but it goes down if you ask for a loan and it goes down if you even try to check what it is.
Absolute nonsense.
I don't know for certain, but based on the screenshot I'd guess it means "Pictured" (as opposed to being dialogue)
You're not difficult or lazy, you're autistic and you have ADHD.
No investigation, no right to speak
My cousin broke his skull doing something like that, he's never lived it down but at least there wasn't any CCTV of it
Anecdotally (n=1) when I had covid recently and experimented on myself, after taking full-spectrum cannabis oil, the indicator line on my home test was substantially thinner (indicating less viral load) and was darker a few days later with no additional cannabis in between.
Obviously just stoner bro science at this point, but there've been a handful of studies about how various cannabinoids inhibit covid cellular entry.