this post was submitted on 27 Dec 2025
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Never owned a credit card, never will
"But how will you raise your credit score without accruing debt?"
I'd rather fucking die than spend my time participating in a system which wants to grade my Credit Utilization Normalization Tier (CUNT).
In my area it can be very difficult to get an apartment unless you or someone you're renting with has a decent score. Participating in this bullshit isn't a choice for some people.
I mean, good for you, but most people will need to go into debt for something at some point in their life.
Most people, no. Need, no. Many will want to, for various reasons, yes.
(Unless China and India come up with some sort of mandatory debt. Then yes all the way.)
Ok sure, I guess I don't "need" anything apart from food and water and oxygen. What I really meant was, they will need to go into debt to finance the life they want to live, which for most people includes going to college and buying some type of property (not to mention other things like starting a business, supporting relatives, etc)