basically yes

you dont have one

buuut the problem is if you have a credit card you have to use it at least once a while

Having no credit hurts your credit score

no history I mean

I thought it was just something the government kept track of based on your electronic financial transactions in general tbh

so it's probably shit

if you never taken credit

or else they cancel it automatically and hurts your credit score

your credit score is based on 3 things primarily. 1. ontime payments. 2. debt/credit ratio. 3. age of accounts

do those 3 things you're golden

https://www.youtube.com/watch?v=mvbb5NqQ_C0

so actually if you want a higher credit score, always ask for credit limit increase

I have one account with $5,000 and I've never taken anything out of it

so then youre $200 balance on $20,000 in credit is nothing

My other two accounts are like fair game

```
Women like men who are prone to violence
-Sam Hyde
```

that's y i beat my med waifu

One account to spend freely, one for backup funds account which I only touch when I need money and one where I keep my actual savings

get a lot of credit cards, put them in your sock drawer never use them, use 1 or 2 and always pay them off ontime and ask for limit ugprades

https://youtu.be/c9YfTn3sqcg

one of my credit cards has like 65k limit

i could buy a fucking tesla

but i never would

>credit card

My grandmother always told me never to get one lol

Imagine not just stealing it

<:virgin:396572545610022914>

and that they're basically scams meant to trap people

how you gonna buy a house without going into massive debt? @Angry.

i steal even water

you gonna steal a house?

i told you guys the 3 rules for sky high credit score

I break the law but it’s bed time so I’m going to go to sleep

follow those you can get your score insanely high

^^%

no breaking law when sleepy time

it's bed time

@Angry. gn king

yes, it's not a bad thing to have a high credit score