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"Just applied to an apartment in DC where I told the guy that my credit was really bad. He said I'd be fine," he tweeted Thursday. "Got denied, lost the apartment, and the application fee. This ain't meant for people who don't already have money."

No you little shit, it's for people who aren't bad with money. What makes you think you're entitled to anything?

> "Just applied to an apartment in DC where I told the guy that my credit was really bad. He said I'd be fine," he tweeted Thursday. "Got denied, lost the apartment, and the application fee. This ain't meant for people who don't already have money." No you little shit, it's for people who aren't *bad* with money. What makes you think you're entitled to anything?

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It isn't that great an indication of how good you are with money. Two of the largest metrics are account age and line of credit limits. If you haven't been using credit long, and you don't make much money, and you miss literally two months of minimum payments while a major crisis happens, you can easily get fucked into the high 4's mid 500's no problem.

I have a score over 750 but that would evaporate if I left so much as a single cup of coffee sit on a credit card for 3 months, even if the limit on the card is over $10k. And this would be the case for 7 years.

So then it is closer to the worst aspects of dating and social life. When your options are limited there is 0 margin of error, and if you do particularly well you will be given enough rope to hang yourself, but you can ignore some rules for a while before it catches back up with you. So I could wave a magic wand and for 3% upfront could conjure tens of thousands of dollars into my checking accounts to use for basically what the fuck ever but there are people who get their shit pushed in because they didn't pay a $60 minimum within 30 days, which in turn effects their mortgages, and their insurance, and is predatory as fuck since they could have paid or afforded the minimum and preserved their credit if they charged more.