to up mine I have to take loans out and pay them off instead of just never taking a loan out... What the fuck lmao

  • spectre [he/him]
    ·
    4 years ago

    Yeah as long as you don't miss payments (whether paying minimum or full, it doesn't matter), then your credit score goes up, and lenders see you as "low risk". They care more about getting their money back on their own terms than they do about milking you specifically for interest, they will always have ways of generating revenue.