[hn_acc1]

Do you mean via credit cards, or on the whole, including a mortgage? We have a mortgage, but have made all but 1 or 2 credit card payments in 20+ years - we forgot to pay a $50 bill once, IIRC. Outside of the mortgage, we've never spent money that wasn't already in our bank account - not even "it's coming in our next paycheck". Our credit scores are fine.

[one-note]

I mean just credit cards generally. You have to play the MasterCard/Visa game or else lenders won’t rent to you. I’ve been denied many rental properties I could very easily afford because “oh someone else applied and their credit score was over 800”