anybody heard of a 0 credit score

[fasternyou929]

Originally Posted by The Chi

I already stated it, but again, having been in the position of having debt and credit cards I couldnt pay, not all at my own choice or by my own actions, so for me, its more of a "if I cant pay cash for it, I dont need it" type mindset when it comes to credit cards. Houses and vehicles are different obviously, and I am not afraid I wouldnt be able to "behave", I just dont feel it necessary to make purchases if I cant readily get my hands on the funds via on of my cash accounts.

I guess I just don't get it. You're swiping plastic either way, so what's the difference if it comes directly out of your checking account or you pay it off at the end of the month. Unless you don't trust your spending habits if you know it's "borrowed" money?