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I've been denied credit cards and car loans because I don't have enough debt. Wut?

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((())) Loans are a loss of money for the lender if the lendee pays them back within the interest free limit.

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The system views no credit history as worse than a mid grade credit history. My friend, who makes more per bonus check than j make in a year, got denied a car loan due to this, whereas I sailed through despite being technjcally unemployed at the time.

like much of life, its a system, and the rules can be deduced, or are often explained quite clearly, as they are for credit reporting.

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When I was denied a car loan I told the sales guy "I have to start somewhere, so why not today?" - he laughed and told me to build my credit at Rent-A-Center. Fuck that prick.

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Yes. Fuck that guy.

Ways that are less retarded

Get a credit card from your bank. Worst case is you gotta give them 500 bucks, and you get a 500 dollar limit. This is called a secured credit card. Pay it off and you level up to un secured credit card.

Line of credit from bank. I have one, but I don't use it. Its less points to NOT have one.

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Generally gamblers.

Also those seeking to overcome a temporary problem of liquidity.

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If you don't have the capital outlay to make an investment with a return larger than the cost of the debt, then debt makes sense. Going into debt to fund acquisition of depreciating assets that do not generate returns is a fool's errand.

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If that's your reply. You don't get the joke. At all.

If you have what you speak of you wouldn't need either of the panels in the comic. So your reply is completely irrelevant and offers nothing.