>>1355901I mean. They aren't wrong. Having an outstanding balance and only paying the minimum is actually a very good strategy to quickly build credit within a short period of time. The only issue is you need to make sure it is a low enough amount you can pay off the whole card immediately. The issue is people fuck up the second part and max out the card going LOL FREE MONEY LOL!
The credit system likes to see interest payed it doesn't like to see you paying no interest on your debt because it means you produce no money for the bank.
And yes Credit does matter especially if you are buying a house where the difference in interest can be thousands of dollars.
It really sounds like her chat has never had to make a long term loan payment and doesn't understand the value of Good Goy points while living in a Jewish Money system.
