u/Consistent-Pen-757

Ruined my credit when I was younger and stupid. Didn't respect my credit card and abused it. As I got older, I realized the importance of credit. To get a job, rental, car insurance, house, ect. I was used to paying cash for everything. Now, I only have 3 credit cards. I'm pre-approved for 19 more but I refuse to...!!! Too much credit ruins your credit score and can put you in debt. I have a paid credit card monitoring service and my credit is locked to prevent anyone from taking credit on my credit cards. Once a week I call up the credit card company and check up on my balances. I refuse to buy something on credit if I don't have the full amount in my bank account. I wait 2 days to think before buying anything. Do I really need it..? I deal with my emotions rather than resorting to spending to feel better. When I shop now, I only buy what I need and wait before buying it. The credit card companies don't like people that pay on time. I always pay the full amount monthly and send them more money than what I owe them. I plan to buy a house in 2-3 years and I'm working to bring my credit score as close to 800 as possible. There is a light at the end of the tunnel. I'm totally debt free. I'm also careful on the telephone..!!! I never mentioned the word " YES ". Scammers can record you and take out loans using your " YES " response. Please, don't give up...!!!! There is hope.