that's me, been trapped in that cycle since I had to pay several months' rent with credit card during covid

aside from some dings due to high credit usage, my score is good. mainly because i have a shit load of cards i opened years ago, so my average account age is high.

I'm not a particularly responsible spender and have a shit ton of debt, but since I make the CC companies a bunch of money by paying balance transfer fees all the time, I'm profitable. So my score is high.

What a stupid world