Strongly considering switching everything possible to CC, would make my personal accounting system much easier then the current
Strongly considering switching everything possible to CC, would make my personal accounting system much easier then the current
Yes it is. Very American system. Here in Estonia, to get loans you need proven income and must show your expenses are low enough to allow taking on debt. In the US, you need a ton of history with credit cards and smaller loans I guess, till you can get a mortgage.
The German system is pretty much: never pay late and get no hit. So no credit history is as good as always punctual. So I have never in my life taken on debt as a matter of principle but I would be able to at my convenience.