Quote:Eegore wrote on 10/10/21 at 19:06:03:" ...
I have not used credit. ..."
I haven’t used credit in 20 + years.
But to get to this point,
there was a time it was necessary.
I and Billions like me,
have used credit,
so at one point they would not have to.
(About)0-15, parents paid.
Next 15. To 30 years old.
One needed Credit, unless they had a Silver Spoon, or lived hand to mouth.
Next 15. To 45 years old,
One needed much less credit,
If they lived hand to mouth, they are still living hand to mouth.
Next 15. To 60 years old.
They should need no credit,
except for the convenience of a CC, that is paid off every month.
(If they lived hand to mouth, then they get a Social Security check.
Which is a PALTRY sum,
which SHRINKS each year,
which they were FORCED to pay in to)Next 30 + years.
Shoveling OFF the pile they have created,.
You say:
“…I have not used credit…”So what was your,
Silver Spoon ?