I never said it wasn't a factor, only a terrible one that shouldnt be the only one. Also try improving your credit score and see the better rates and cards with better benefits open up to you.

And what the fuck is wrong with you that you even think about someone else’s credit score?

Considering you think I spend time thinking about people's credit score because I think it's better metric for getting credit, this question is all but a straight up admission that you spend a lot of mental energy thinking about the income of other people.

Are you mad that your neighbor is straight too?