Think of it as punishment for paying more/faster than the agreed upon payment plan with applicable (((interest rate))) in the contract. Kikes fucking hate it when you skirt their usury by ending the process sooner.
even if you pay it off as agreed your score will drop unless you have a significant amount of other open accounts
I think it's pretty well known that having a bit of debt increases your credit score. For instance, if you've never borrowed then you have no credit score which is considered bad credit. I don't know if anyone's precisely punishing you; it's more that you're not gaming the model as well as you possibly could. If you borrow and pay on time, AFAIK you will have a good credit score. It may not be as high as someone who actively manages it.
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