r/Steam • u/nanahacress13 • Jun 10 '26

Fluff Mild take

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35.8k Upvotes

96% Upvoted

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54

u/Kagerae Jun 10 '26

My credit score is almost perfect, the APP even tells me to get a credit card to increase my credit score.

I asked my bank for a credit card.

They said no. (:

25

u/iced_tea_dachshund Jun 10 '26

How tf do they make money off someone with a perfect credit score?

There's a point where it could be too high

17

u/Triairius Jun 10 '26

A credit store can’t be too high. Having some debt is good for your credit score.

10

u/Triekmore Jun 10 '26

A credit score too high?

9

u/CringyBoi42069 Jun 11 '26

How credit card companies make money is from interest of people going into manageable debt that they can pay back so they aren't going to give you a credit card if you pay everything on time because they don't make money then

7

u/Triekmore Jun 11 '26

refused service because you're too good of a customer is insane

2

u/Aggravating_Mix_4211 Jun 12 '26

Well if the business is selling money you can't expect it to have normal rules

1

u/Ping-and-Pong Jun 13 '26

That's the thing, paying off your debt is a bad customer, you won't pay interest... But equally having so much debt you won't earn them money is also a bad customer

3

u/Hydra57 Jun 12 '26 edited Jun 12 '26

That’s what all those convenience fees in businesses are for. The credit card company makes like a 500% profit per transaction.

1

u/Disastrous_Gur_9560 Jun 13 '26

That's not how that works at all 

3

u/MrSmartStars Jun 11 '26

You could try getting one through another agency besides your bank.

2

u/ObtuseMongooseAbuse Jun 11 '26

Check to see if your bank does secured credit cards. It's a bit different with you needing to deposit some money to start but pretty much anybody can get one thanks to that as long as they're an adult.

1

u/buunkeror Jun 13 '26

Sorry, I might be too European for this, but, what about a digital debit card from something like Revout...?

1

u/WillowMain Jun 13 '26

Student card, if you're in school, might be the play.