Otherwise-Way-1176 t1_jeb8b53 wrote
Reply to comment by mega512 in Why are we encouraged to charge everything to a credit card but get penalized for high credit utilization? by New-Row7111
>Let's be honest, credit is a scam.
A credit score is a product that is sold to lending institutions, not to the OP. Therefore, the OP is not being scammed by the mere existence of their credit score. You could hypothetically be attempting to paint banks as victims of this scam, but they’re informed consumers who know what they’re buying, so that seems overly generous to me.
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