Unless you are independently wealthy and never need to borrow money, you have one. You just don’t know what it is.
You don’t need to be independently wealthy - just old and retired and not really needing a loan for anything else you may need in your declining years.😁
I suppose that’s true but I’m not sure how they can tell what people purchase. Let’s say I buy 120 dollars worth of stuff at kohl’s. My bank statement just says the total and name of store. They don’t have the receipt. I guess a gun store they can guess more accurately. It all doesn’t make sense.