here are a couple other things to consider number one a credit score is not your friend so the FICO score didn't even exist until 1989 and now it's this new standard that we have to measure up to and it's this number that basically mathematically is calculated all by debt and it works more against you and your money than for you number two credit cards aren't a good solution when it comes to emergencies a lot of people say well I have my credit card in case of an emergency but if you have a car emergency and you go and pay for it with a credit card you just went from a car emergency to now a money emergency if you don't have money in the bank cuz you're going to be paying interest and paying fees on top of that.
