LikeableLime

And what people will do for a save game they really care about (like childhood Pokémon carts) is back up the save onto PC, replace the battery in the cart, then put the save back onto the cart. Very clever. I want to get one of the readers that lets you back up carts, they're not that expensive

The bigger impact than credit utilization would be the hard inquiry that they use to determine whether to give you the card as well as the avg age of accounts. Low credit utilization may drop your score an extremely tiny amount (only like 1 or 2 points) but the new inquiry and lowering avg age of accounts is a much bigger impact (tens to dozens of pts drop)

The hard inquiry for opening that new card lowers your score. The avg age of accounts drops with the new card and that also lowers your score. The $1k credit limit doesn't raise your credit enough to offset the drops but over time the impact of those will wear off and your score will go back above 600.

What the OP in the image probably means is that paying off a non-revolving account (not credit, something like a personal loan or car loan) can drop your score. It will drop more if its a large account because it drops the total value of all accounts or the total value of non-revolving accounts you owe on (not the remaining value, it uses the total for some reason afaik) + your credit limits from cards.

The best way to raise your credit is to just have an assortment of different credit cards, continually pay them off in full, and have some other type of account in the mix like an auto or personal loan that you continually pay off.

Opening all of those at once will tank your credit for a bit because "credit seeking behavior" is a ding against you. That's not an actual term I don't think, but opening a bunch of credit lines at the same time is a bad look and could be a sign of financial distress that scares off lenders. So just start with 1 card and 1 loan then open a new card every 6 mo to 1 yr. Then when you eventually pay off the loan your score may drop anyways so use that time to open a new loan so you offset the impact of the drop.

The system is dumb but it isn't incomprehensible and it's actually possible to game the system a bit. There are companies that offer pre-paid debit cards but they report to the credit agencies as if you have a credit card with like a $1200 limit and they always report that you have a 20% utilization and always pay on time. That way you build credit without ever actually using credit or racking up debt.

Wow you weren't kidding. That's snappy and responsive

I use Voyager. Its pretty nice, I never have any issues with it

I have them tagged as "Dumb ass AI Defender" so they must act like this all the time

Oh I loved Tokyo Jungle! What a fun and delightful game. Iirc you started off as a Pomeranian and worked your way up to bigger and badder animals right?

You guys are getting raises?

The Rest is Science with Hannah Fry and Michael Stevens (the Vsauce guy). Their voices are great to listen to, the topics are all interesting, and the way they explain things to each other as if they're teaching them about it for the first time, even though they're well versed in the subject makes it extremely accessible. Definitely worth a watch.

https://youtube.com/@therestisscience

It apparently tastes like shit so you're not missing out. Stay strong and don't fall for it!

How do platforms like Patreon and OnlyFans circumvent this? I know OF had issues with payment processors in the past but I'm not sure what changes they implemented to stay compliant. There must be some way for itch.io to keep these things on their platform while not pissing off the payment processors (who can go fuck themselves btw, this is completely unnecessary)

I disagree. I think OP is a switch and is struggling to find someone who is the same.