• 30 Posts
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Joined 2 years ago
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Cake day: October 12th, 2023

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  • Stop trying to max your credit score. You don’t win any extra prizes for having an 850.

    Having a good credit score (>670) isn’t difficult. Have a couple of cards, keep your balance under 1/3 of the limit, and pay it on time. That’s it. You’ll have a 700 in short order. Getting it above 750 is just more of the same.

    I get that there are perfectly responsible people who don’t leverage credit to gain their needs and then are rejected by the banks when they go looking for a 200k loan. But that’s not the world we live in. Bill the Banker isn’t the guy whose lived in your community for twenty years and goes to your church. That world is gone and had problems too.

    This impersonal world sorta sucks, but I’m not close friends with my neighbors and some of them seem like people I wouldn’t get along with anyways.

    The real rub of it, in my opinion, is we are subject to these standards without being consulted or, really, considered.

    But honestly, don’t worry about maxing your credit score.













  • No. Some people get jittery when they have more than one or have a cup too late in the day. But 400 mg of caffeine is fine. That’s four cups of coffee. Six or more a day can result in a rise in risk for cardiovascular disease. This could be considered not great, but a lot of other factors to into cardiovascular disease. So “quite bad” is quite a stretch.