[redhead]

On a smaller scale, when hubby and I lived in Valdez, we had a totally-cash outlook. We paid cash for everything. If it was a big-ticket item like furniture or a car, we saved for it. We had no checking account. BUT...

When we went to apply for one of those new-fangled credit card things from our bank, which we'd used for years, we couldn't get one. We had "no credit history." LOL! Talk about being punished for doing something right...

[JudgemAll]

The “undocumented” aliens get the credit cards and never pay for them.

They want you to pay interest rates as a tax to pay their bad credit card holders. It’s why “YOU” need credit history, not them.