THEREALHNDRXXFREE

1y

I got a big butt

o a i e

1y

pics

THEREALHNDRXXFREE

1y

Yeah i know

o a i e

1y

inquiries dont really hurt ur score that much and they go away after 24 months. also i wouldnt worry about inquiries til ur at like 15-20+

THEREALHNDRXXFREE

1y

U are to pure of a soul...

Hope world doesnt corrupt u

rvi

1y

it said you are partly correct but there are some other risks for churners like

Lowering your average account age (hurts your score)

High credit utilization if you carry balances (hurts your score)

Risk of missing payments (hurts your score a lot)

When you apply for a mortgage, car loan, or other major credit, lenders may manually review your report. A large number of recent inquiries or new accounts can make them nervous, even if your score is high.

If you’re not planning any big loans soon and you’re organized, inquiries aren’t a huge worry. But if you’re thinking about a mortgage, car loan, or want to keep your file “clean,” it’s smart to be more conservative.

THEREALHNDRXXFREE

1y

Im a delivery guy thats my true job i lied to yall

rvi

1y

it said you are partly correct but there are some other risks for churners like

Lowering your average account age (hurts your score)

High credit utilization if you carry balances (hurts your score)

Risk of missing payments (hurts your score a lot)

When you apply for a mortgage, car loan, or other major credit, lenders may manually review your report. A large number of recent inquiries or new accounts can make them nervous, even if your score is high.

If you’re not planning any big loans soon and you’re organized, inquiries aren’t a huge worry. But if you’re thinking about a mortgage, car loan, or want to keep your file “clean,” it’s smart to be more conservative.

o a i e

1y

1. the oldest account should always stay open. also average age isnt that big of a deal

2. carrying balances with 30%+ apr is what most americans do, drown in debt. treat credit cards like debit cards dont be dumb. if some1 knows theyre irresponsible i dont recommend the game

3. same as 2

4. i addressed the inquiries

5. i think this is overhyped fearmongering tbh

Nort

1y

accusing chatgpt of fearmongering is mad funny

o a i e

1y

1. the oldest account should always stay open. also average age isnt that big of a deal

2. carrying balances with 30%+ apr is what most americans do, drown in debt. treat credit cards like debit cards dont be dumb. if some1 knows theyre irresponsible i dont recommend the game

3. same as 2

4. i addressed the inquiries

5. i think this is overhyped fearmongering tbh

rvi

1y

dam maybe u right

so if u basically stopped doing this 2 years before doing a major loan thing maybe ud be good

"advice is good for people who are highly organized, have a long credit history, and don’t plan any big loans soon. For others—especially those new to credit, who are disorganized, or who may need a mortgage soon—there are real risks to consider.

If you’re disciplined, churning can be rewarding. If you’re not, it can get expensive fast."

rvi

1y

dam maybe u right

so if u basically stopped doing this 2 years before doing a major loan thing maybe ud be good

"advice is good for people who are highly organized, have a long credit history, and don’t plan any big loans soon. For others—especially those new to credit, who are disorganized, or who may need a mortgage soon—there are real risks to consider.

If you’re disciplined, churning can be rewarding. If you’re not, it can get expensive fast."

Nort

1y

I dont have plans for a big loan soon, should I start churning?

o a i e

1y

dont forget the 5/24 rule

o a i e

1y

if drake didn't exist

Kdogone

1y

See World… you’re no good