Believe it or not, it is better for your credit score to carry a low balance on your credit accounts than no balance, because glue tastes yummy to the credit agencies, I assume. /s

The reality is that lenders would rather have customers that utilize their credit and pay a lot of interest than ones that aren’t lucrative and pay off their credit use immediately. They’re looking for people willing to fall into debt traps that are ALSO able to reliably pay the interest within them without ever defaulting. That is what a perfect customer/capital battery looks like to consumer lenders.

Which means that credit scores are just an arcane measure to determine the potential profitability of borrowers, NOT a metric of the most responsible borrowers at all, because that would mean utilizing the least credit.

Humanity is doomed in the short term by its own hand, and that is the absolute best fucking thing that can happen for the planet and the other life on it medium to long term.

We appear to be a self-solving blight upon the natural world. As the late, great George Carlin put it, the planet is ramping up to “shake us off like a bad case of fleas. A surface nuisance.”

As a species, we’ve proven beyond all doubt that we are too malicious to be stewards of this world, and too self-important to ever peacefully recede in numbers in order to find equilibrium with this world as inhabitants, rather than have dominion over it.

Our macro-cancer ass of a species has got to go.