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whomp1970 t1_ja8brqs wrote

Reply to comment by astajaznan in Eli5 credit score please. by astajaznan

The calculation of your credit score is quite complicated, and some of the decisions are not entirely sensible.

But think of it this way: If you use your credit card a lot, and you keep making the required payments, that makes you more trustworthy. If you NEVER use your card, then you never have an opportunity to "pay on time" (because you never charged anything), so they really can't tell if you're trustworthy or not.

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