a true masculine /pol/ Man would've already purchased land, in cash, and built his own house on said land, or he's looking to do that. and he would hunt for food and forage for mushrooms. he would only need jewish $ to buy bullets. he would ration and save his current bullets for defense, and use a 22 to hunt or crossbow.

yes, using credit is in general degenerate and ill-advised unless you know what you're doing and you need the extra "spending power"...granted you also have a way to pay it back. i believe the credit-jews don't really like it if you pay off the balance entirely, they want at least some interest.

i'm a late bloomer to recent CC trends, but i've learned some useful tactics:
>use paypal card and get 1.5% to 3% cashback
>use bilt to pay rent and get reward points
>a CC is very useful for staying at hotels, makes check-in easier than using a debit card
>CC is also great for travel.

in short if you don't plan on traveling, or financing a house/car, or using credit to spread out payments and have more fiat cash to trade/invest immediately, then you can easily Nignore the credit score.

did you go down the wrong path? are you a /fa/ggot who goes shopping at the mall or online for new clothes? it's never too late to start over. or you can just kys but that's messy and cowards way out.