Disclaimer: I hate credit. It just feels wrong that I’m forced to borrow money from some big credit card company month after month, even if I don’t want or need access to any funds beyond what I hold in my bank account, just so I can improve my “score” and people in society will trust me enough to give me things I need to survive, like the ability to rent an apartment. That being said, I go along with this hair-brained scheme because we live in a capitalist society where no one trusts each other and apparently coming to terms with that is part of being a grownup (along with learning to like the taste of beer and not tittering ...