“It will have been the most expensive financial mistake I’ve ever made.”
And last , it's the nature of the US credit system in general."Not all credit cards are bad. Credit cards do help people build credit, and if you're using a card that has a high points rewards system, then you can get small amounts of money back on your purchases over time. For 10+ years, I have been incredibly careful about my credit and not getting into credit card debt.
I've always had phenomenal credit, and it's alarming how fragile the credit score system is that with one $5 mistake, it could plummet a score over 100 points, and by default cost thousands more over time because of the significantly higher interest rates.
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