Wow, what a bunch of bullshit.

It's not bullshit if you pay it off every month. You can always cancel your cards and get better ones.

Anything else in your life you wanna blog about?

>>1806514
That will decrease the average age of your accounts and hurt your score.

>>1806705
>use credit card - be seen as a liability
>never own a credit card - "sorry, you have no credit history"

What the actual fuck can a person do to NOT get assraped from one direction or the other? Aside from being born filthy rich?

>>1806489
>letting 4k post on a statement
your own fault

>>1806705
>and hurt your score.

What do you need a score for?

>>1807153
Borrowing any significant money ever? Unless you just have hundred thousands in cash laying around for that house, or feel comfortable taking money from a loanshark

>>1806489
i never got this really spending over your limit sure is a red flag, but spending to your limit and paying it back easily should signal you need a limit increase.

>>1807686
>Murrica

>>1806489
Think logically..
This is to prevent from people loading up on cc's, maxing them on advances and filing bankrupcy. They signal risk for this reason.

>>1807719
what? how would that even work? surely they take a look at your available balances and income before they qualify you for cc in the us too?

>>1807724
think about the shitposts here similar to:
>hey guys, can i just cash advance all my credit cards and buy gold then file bankruptcy?

same shit

>>1806728
Use credit card up to 20% of your limit each month, then switch to debit card.

Then request periodic increases of your credit limit.

Then realize gaming your credit score beyond 770 (i.e. being a responsible person) is completely pointless. You're already getting the best rates possible and should focus on increasing income.

>>1807735
yeah but you won't get much more balances in total than your monthly income x3-5. declaring bankruptcy over that is like stabbing yourself in the dick.100 times that yeah i would do it any time. especially if i can reasonably secure my wealth.

>>1807740
but what if 100 people did it once in a year? how many people file bankruptcy each year, how many of them have a credit card, how many have multiple credit cards?

cmon man, think it out

>>1807741
dunno, but i'm just saying people will not declare bankruptcy over this little amount deliberately.
if they do it they do it because they are idiots and the banks will raid their shit they overextended themselves to buy and they will not laugh in their fist how clever they were.