Yeah this is my main issue - Why is my lifestyle needing to go into debt the only indicator that i'm good at paying off debt? Surely a quick investigation can see the fact that I Have a ton of savings, income, and a history of consistent payments should go into account? But nah. I have to use debt, credit. Which I never wanted to do.
I live in China but I'm from the UK, its the UK i'm referring to. I simply never needed credit having lived abroad my entire adult life, and if I did that in China, it doesn't transfer back to England anyway, no country's credit does. You could have incredible scores in the USA but you're starting from scratch if you ever move a bit North over to Canada.
So when I finally get out of this dystopia, I have a long road ahead of buying chocolate bars and light bulbs on credit cards just so I can satisfy the retarded status quo -__-
It's a big problem and another way banks are forcing people into credit. I remember doing the same thing as a kid of around 19. I got a credit card and used it to establish that I could pay credit. Before long the $2K limit was $10K and more. That's how they trap people. The fuckers didn't trap me though, I learned quickly. Many do not.
I can tell you're butter about it and justifiably so. We, (the general population) are treated in this way and worse and all we can mostly do is suck it.
When you go back, might I suggest Mars Bars and Toblerone and when you get light globes, consider LED ones.
Haha - only if they're better for building credit!
Each of the items mentioned have excellent credit-building qualities and two out of the three are good on the tastebuds, so a double win.