[FpUser]

Cut the BS please. I do not have to use CC when I do not have money and still have perfect credit score. Personally I do use my CC only when there is no other option and I pay it off immediately after making a purchase. My credit score is perfect and I've never spent using CC more than I have on my account.

[one-note]

You’ve been playing the Visa/MC game for 20+ years to achieve a perfect score? You might then agree they have an overly large amount of influence in life?

[FpUser]

I did not play game to achieve a score. came naturally. As already said I only use CC when there is no other option.

But yes I do agree that Visa/MC are an abomination and I would prefer them to die. Along with the idea of credit score.