You've been saying the same bad advice up and down this thread.

If you reliably pay your credit card bills in full by the due date, your score climbs and climbs. Not instantly, over time. Reliability isn't a one-off.

If you cancel your credit card, you have less evidence that other institutions are happy to lend to you, and your score could go down.

If you apply for a new credit card, your score can go down because that's also what people who are running out of money do, not because your borrowing to limit percentage is low.

The highest credit scores are for people who have been loaned plenty of money, and who always make their payments.

Deliberately causing them to charge you interest just makes you poorer and does not show that you're a good risk to loan to. It's the front door for ballooning debt, and that's what they want none of - people who get declared bankrupt or have other debt interventions are a massive loss to them, and what they want to avoid like the plague.

You've been saying the same bad advice up and down this thread.

If you reliably pay your credit card bills in full by the due date, your score climbs and climbs. Not instantly, over time. Reliability isn't a one-off.

If you cancel your credit card, you have less evidence that other institutions are happy to lend to you, and your score could go down.

If you apply for a new credit card, your score can go down because that's also what people who are running out of money do, not because your borrowing to limit percentage is low.

The highest credit scores are for people who have been loaned plenty of money, and who always make their payments.

Deliberately causing them to charge you interest just makes you poorer and does not show that you're a good risk to loan to. It's the front door for ballooning debt, and that's what they want none of - people who get declared bankrupt or have other debt interventions are a massive loss to them, and what they want to avoid like the plague.

You've been saying the same bad advice up and down this thread.

If you reliably pay your credit card bills in full by the due date, your score climbs and climbs. Not instantly, over time. Reliability isn't a one-off.

If you cancel your credit card, you have less evidence that other institutions are happy to lend to you, and your score could go down.

The highest credit scores are for people who have been loaned plenty of money, and who always make their payments.

Deliberately causing them to charge you interest just makes you poorer and does not show that you're a good risk to loan to. It's the front door for ballooning debt, and that's what they want none of - people who get declared bankrupt or have other debt interventions are a massive loss to them, and what they want to avoid like the plague.

That is actually pretty interesting.

I feel seen.
I'm still a tcsh guy.
My trusty .tcshrc still has some aliases that have been their since the 90s.

I support this amendment.

Came here for this.

tcsh is the bees knees.

Retired guys mostly, according to the article. It was a very interesting read.

Reality doesn't agree with your assertion that £5 is a nominal fee for a bus ride.

Have have absolutely no conception of reality whatsoever if you consider £5 a nominal fee. None whatsoever. Of course you don't understand buses. You don't use them. At all.

Dude, some guy doinging his buddy is no threat to you. And them getting married causes you no harm. It's 2026. Get over it.

And if you think it's easy to recruit heterosexual men into homosexuality, I have some news about how straight you actually are.

Just as well trains and other vehicles don't have roofs then.

Fun fact: Unlike natural gas, which needs enough oxygen and enough gas to explode, hydrogen is explosive at almost any concentration of hydrogen and oxygen!

Boom! Woohoo!