Mine is 667. I have never used credit cards, and I don’t have any debt. My partner, whose FICO score is 780, currently has about twice their annual salary in debt.

  • admiralteal@kbin.social
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    9 months ago

    Starting with only autopaid non-flexible spending is a good bet, and there are credit cars that will de facto get you an ~3% discount on those categories just for using them.

    Remember, all cash rewards / points systems exist to make you spend more money, though. Like the cards, they’re designed to increase your spending. So it’s the same advice – only think hard about it for fixed costs.