Nightmare as opposed to what I wonder. Ended up reading "how to ruin your credit score" and realized I didn't know half the rules of this mini game. > you have

Nightmare as opposed to what I wonder. Ended up reading "how to ruin your credit score" and realized I didn't know half the rules of this mini game. > you have a card with a $15,000 limit and you're carrying a $2,000 balance on a card with a $5,000 limit, you have $20,000 of available credit and your ratio is a comfortable 10%. If you close the $15,000 card, your available credit plummets to $5,000 and your ratio skyrockets to 40%. Maybe it is more fun of a game if they just give you the keys, you make payments, eventually you own the vehicle. Or you don't pay and they won't let you drive their vehicle... Or should other people be made to pay for it? > If you stop using credit altogether, you'll eventually cease to be scored. the "self repossessing" thing might help with the credit score - if you don't have any.