I've never had a credit card because my dad ruined my credit when I was under twenty. He put his internet and cable in my name, for example, and then left outstanding bills.

😶

I only have a debit card bc I don't like credit ones

I have one. A single one. It serves the purpose.

Excellent. I have ZERO credit cards (by choice)

credit scores are absolute bullshit and should be illegal, and not just because years of medical issues will fuck your shit up like nothing else...you can have zero late bills and they will ding you for 'utilization' or whatever they pull out of their asses, like look MFer is the bill paid on time or not? I will now swallow broken glass, and incur another $1000000000 bill

I have no idea. I don't have any credit cards, only a debit card.

Funny you should ask, this most recent cycle is the first time my credit score hit over 800 (807). I only have one credit card, been building credit for 6 years so far

All.

I admit I've never checked it. I don't use credit cards