2 ms·

I think the way we do it in the states is reasonable enough. I wouldn't expect any person outside of those that are gambling to loan money without building up t

by dawnerd 10y ago

I think the way we do it in the states is reasonable enough. I wouldn't expect any person outside of those that are gambling to loan money without building up trust first. If you're making minimum wage and don't have a lot in assets you're not going to have a lot of available credit. A lot of people don't realize this I think but if you hold a balance, especially over whatever percent of your total credit, it hurts. The moment I paid off all my cards my credit score jumped and all my limits increased.

ThomPete 10y ago
It's not reasonable for a very simple reason. A lot of people who aren't good with money end up getting credit anyway. You could learn about peoples financial maturity through simply checking their normal debitcard/bank transactions. Does he/she pay is monthly rent, is he/she constantly hitting zero on their balance etc. None of this require credit card usage.