[fotoetienne]

Interesting article. It does raise a tricky question though: What separates ethical/unethical or fair/unfair factors on which to discriminate. I choose not to use LinkedIn based on their privacy policy among other things. Is it fair for me to be discriminated against because of this?

[aidenn0]

Right now you will have a lower credit rating with 0 credit cards than with a small number that you do not maintain a balance on. I know several people that don't use credit cards out of privacy concerns.