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Anon tries to understand credit scores
(sh.itjust.works)
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this post was submitted on 27 Dec 2025
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because that's weird. that's not a situation most people would have.
the card they got as a kid would be a shitty card with a very high APR. any smart person would dump it and replace it with a better card.
long term credit card keeping also isn't that huge of an impact on your score. when i got to 10+ years on an account, it bumped it up by 10 points.
it's not an insane game. you clearly have no experience with it. it's mundane and boring stuff that most of us never ever think about outside of weirdos who are trying to maximize their score or people who churn cards for the 0 apr rates.
Which doesn't matter if you pay it off in full each month ;)
yeah, that's how you build credit.
but a lot of people don't use credit that way. they take out personal loads, load up cc, and make minimal payments. and wonder why they are broke.