The gent I work for gets a new Lexus every six months or so. Puts it on an AmEx card for the points and pays the bill in full at months end...

Lobbyists

I guess it is the old damned if you do and damned if don't...

I have been a very naughty boy all my life... abused my credit and thus... ran up a great credit score!

But at 55 years old I am starting to think end game and so trying to get the credit monkey off my back.

And being newly married I have someone else to think about (and plan for)...

Back in the day I would live like a king until the CC bills started piling up then live like a pauper to pay them back down... but this new wife... she wants stuff like food and electricity sheeeze!

I have one credit card that I have not used in years. They recently told me they were raising my credit limit on that card to more than I paid for my 911. Like many people when I needed some credit they would not talk to me. Now everyone wants to lend me money I don't need.

Happens a lot - owner of the company I used to work for was worth millions upon millions-

claims he had a fico in the low 5's.

rjp

Don't know my credit score, and don't care. We have a few credit cards (no annual fee cards) that we pay in full every month. Everything else is paid for, has been for decades.

Financial happiness? Pay no interest. Have others pay interest to you.

Use those "old" "un-needed" credit cards once every 6 months - rotate between them. This keeps the credit history against them fresh and increases your FICO.

Dave Ramsey has a 0 credit rating - since he has no recent credit history - of course, he doesn't care since he is a multi-millionaire and just pays cash for everything.

My wife works as a financial agent for a local home builder and has seen too many single family home "burn downs", or "flood outs" where they didn't care about thier credit score or need to care because everything had been paid off for years and they used cash for everything else.

It's a really bad time to find out that their insurance is undervalued, and unable to tear down the old house, replace all the furnihings, and build the new house in the same footprint without the homeowners getting a new small mortgage. Several of her clients had to rent for a few years while they rebuilt the bad credit they didn't care about earlier.......just saying !

Same here, although I expect the intrest I receive is a bit higher than most can obtain.
Jim