[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.