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🍹Early to RISA 🧉@sh.itjust.worksM to Greentext@sh.itjust.works · 1 day ago

Anon tries to understand credit scores

sh.itjust.works

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Anon tries to understand credit scores

sh.itjust.works

🍹Early to RISA 🧉@sh.itjust.worksM to Greentext@sh.itjust.works · 1 day ago
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  • Someonelol@lemmy.dbzer0.com
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    24 hours ago

    I’ve had a consistent score of a little over 800 before and after purchasing my house by paying off my credit cards ahead of time. I had no major long term debt other than a mortgage either. That said, this is pretty much the equivalent to that Chinese social credit score crap but it’s real in this case. It just means you’re ranking high in some opaque game on your financial prospects that the banks are playing.

    • uncouple9831@lemmy.zip
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      21 hours ago

      It’s not that opaque.

    • SwingingTheLamp@midwest.social
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      24 hours ago

      Remind me, were we supposed to be disgusted and afraid of the Chinese social credit score system because it included woke BS like how nice you are to others, and how things you do improve society, rather than just laser-focusing on the only important thing— whether your existence can be monetized by rich assholes?

      • Someonelol@lemmy.dbzer0.com
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        24 hours ago

        My original comment points out the social credit system is something that doesn’t really exist but was used to scare western capitalists. I’m merely saying that non-existent Boogeyman is actually being used through a financial lens in the US instead.

        • SwingingTheLamp@midwest.social
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          23 hours ago

          It was definitely pitched in western media as something we should all fear. I just found it funny that everything that they tried to scare us with (“it might be used to determine whether you get a job or can rent an apartment!”) applied equally to our credit scores.

          E: So, yeah, completely agree.

        • cassandrafatigue@lemmy.dbzer0.com
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          23 hours ago

          And has been since the 20the century.

      • uncouple9831@lemmy.zip
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        21 hours ago

        Ugh, lemmy.ml is spreading to other instances.

        • Amnesigenic@lemmy.ml
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          17 hours ago

          They’re right, quit simping for the aristocracy you delusional peasant

          • uncouple9831@lemmy.zip
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            15 hours ago

            Lol

      • cassandrafatigue@lemmy.dbzer0.com
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        23 hours ago

        No, because the writing was weird and foreign.

        You were supposed to he disgusted at the other stuff.

        • [鳳凰院 凶真 Hououin Kyouma]|[alt: 黃家駒 Wong Ka Kui]@sh.itjust.works
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          18 hours ago

          “Weird and Foreign” has entered the chat. 👀

          • cassandrafatigue@lemmy.dbzer0.com
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            18 hours ago

            Well that’s why you’re supposed to be afraid of it.

            • [鳳凰院 凶真 Hououin Kyouma]|[alt: 黃家駒 Wong Ka Kui]@sh.itjust.works
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              18 hours ago

              There was some conservative user a while ago on lemmy that thought I was a “Chinese Bot”/“Scammer” because of the “Asian Writing” in the username, I’m an American citizen lmfao

              Fucking sinophobia lol

              • partial_accumen@lemmy.world
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                14 hours ago

                There was some conservative user a while ago on lemmy that thought I was a “Chinese Bot”/“Scammer”

                Clearly they were an idiot too because if they knew anything about China, they should have seen the Taiwanese flag and known were you not from or supportive of the PRC. Seriously, people need to pick up a history book now and then. There’s a good chunk of American history mixed in there too with how Taiwan came to be (or stay being a nation).

                • [鳳凰院 凶真 Hououin Kyouma]|[alt: 黃家駒 Wong Ka Kui]@sh.itjust.works
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                  13 hours ago

                  Oh I mean I am from PRC, that’s more like an opposition thing I do because I don’t like the 5 star red flag since its associated with ccp, so I use this flag in the ROC context.

                  • partial_accumen@lemmy.world
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                    11 hours ago

                    是吗? I wouldn’t have guessed that. I didn’t think ROC flag was tolerated well 在 大陆. I still have a lot to learn about the culture.

              • cassandrafatigue@lemmy.dbzer0.com
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                17 hours ago

                I’m so sorry people are that stupid. Do you need a hug? Or an axe?

                • [鳳凰院 凶真 Hououin Kyouma]|[alt: 黃家駒 Wong Ka Kui]@sh.itjust.works
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                  16 hours ago

                  I need a Glock

                  Rooftop Korean are my idols

                  • cassandrafatigue@lemmy.dbzer0.com
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                    16 hours ago

                    Hey. You deserve better than glock. Dream big.

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