Mine is 667. I have never used credit cards, and I don’t have any debt. My partner, whose FICO score is 780, currently has about twice their annual salary in debt.
Mine is 667. I have never used credit cards, and I don’t have any debt. My partner, whose FICO score is 780, currently has about twice their annual salary in debt.
Even if you can’t afford something, emergencies can come up where one might need to spend money they don’t yet have. Battery dies in your car and now you can’t get to work? Need to buy a battery ASAP or else you miss work. Put the battery on the credit card and pay it off ASAP.
I have no love for banks, but if you’re savvy you can leverage credit cards in your favor over the years.