this post was submitted on 15 Feb 2024
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They say that it's better to have bad than to have no credit.
In any case, autopayments are surely your friend, and not just for credit cards.
Everything is on autopay now, but I'm in my 40s and there was no autopay back when I was having trouble remembering to pay bills. Then I was self-employed for years and the money was variable from month to month and I didn't feel like it was a safe bet to get a card if I couldn't be sure I'd have enough in my account to pay it back. And then when I got other jobs, I just never got around to getting a card. Now I'm not working (putting my daughter through online school) and my wife essentially gives me an allowance and it doesn't really make sense to get one.
Thankfully, my wife of 23 years has excellent credit.
I'm fucked if she leaves me.
I've gone through a bit of what you said but never really made enough money to get into real trouble. Things are very stable now and we really don't spend much so our credit has really gotten good over the years.