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/biz/ - Business & Finance

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54416768 No.54416768 [Reply] [Original]

>got my first credit card last year to build up credit so I can get a house and a car at some point
>paid off my balance in full every month
>managed to get my score up to 750
>finally decide I'm ready to buy a car, put 60% down and apply to finance the remainder
>get declined 3 times because of "insufficient credit history" and other bullshit
Can someone explain this shit to me? What the fuck is the point of a credit score if creditors don't give a shit anyway unless you have 6 different credit cards and multiple debts? In the end I ended up just paying for the car in full with cash. This is so fucking bullshit.

>> No.54416781
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54416781

>>54416768
You typically need to carry a credit card and demonstrate on-time payments on that card for at least 5 years before it can be contributed to your credit history.

>> No.54416813

>>54416781
>at least 5 years
What the fuck, in that amount of time I could just save up al the money I'd need to buy a house anyway. I hate this clown world so much.

>> No.54416821

Credit is a scam. My score falls every time I pay off my credits. It's a faggot scam only the dumbest or Americans were duped into, so they could be eternal slaves of the Israeli banking elites.
Anyone trying to build their credit score is a single digit IQ subhuman tranny.

>> No.54416830
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54416830

>Hey goy, you need to use this card to perpetuate our debt based economy
>Sorry goy, you need to use it for awhile so we can make sure you're credit-worthy
>I know you have a good score in the system that we use but you're still a goy, just maintain it for a few years now
>Hey Federal Reserve, Mr. Shlomo who handles our bank balance sheets fucked up bigly, we need money RIGHT NOW

>> No.54416836
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54416836

>>54416768
Should have been a better slave, not my problem.

>> No.54417026

>>54416768
>What the fuck is the point of a credit score if creditors don't give a shit anyway unless you have 6 different credit cards and multiple debts
I think the scam is that people who are bad with money can get loans because they take out 125% APR loans like retards, but normal people like you can get 7% APR loans so that rubs the credit jews the wrong way.

>> No.54417078

>>54416821
i've got an 820 credit score and always have paid my balance in full every month. No mortgage and no credit line either, just a card.