[inetknght]

> I find it funny that the example person with big credit lines, which are unused, should care about a slightly better credit score. The financialization of everything coaxes people to care about numbers that don't greatly matter to their situation - they already have the credit line

Having credit lines in credit cards is one thing. But having that credit line doesn't mean that doesn't mean they "already have the credit line". A good credit score will save you tens- or hundreds- of thousands of dollars with reduced mortgage rates. So it's important to have good credit hygiene with cards to build that score.

Yes, the financialization of everything perverts incentives. Unfortunately that's the world we live in. I certainly don't believe that someone's home should be an investment vehicle. Nonetheless, it most certainly is one right now.