Die haben halt keine Schufa. Dank Schufa müssen wir keine Kreditkarten haben um uns irgendwann einen Baukredit leisten zu können. Das hat schon seinen Vorteil!
We tend to complain a lot about them. But compared to the US (and I don’t know any other system than US and Germany) it’s far better.
If you don’t take any loans your score gets better and better. If you take out a big loan it is at first negative, but after paying it off it may be even positive.
My mother never took out a load in her life and has almost a perfect score.
In the US you get rewarded for making credit card dept and paying off interest. That is actually a stupid way to handle money. In Germany you get rewarded if you save first and then spend your money.
The problems lie in the details. If you move to a poor neighbourhood your score drops. That is utterly stupid!
Just stupid to take financial advice from an emerald mine heir who randomly hit it big with web 2.0, lived off goverment subsidies with the car brand he bought into that had a lotus frame, and had the good luck to hire Shotwell as his spaceX head.
Man was born on 3rd and a hlaf and had the resources to gamble over and over to get to home. Wow, so amazed.
I mean, motherfucker talked big shit and made a 2x meme bid on a social media network and has lost at least 20bil of its value already in a year.
People think this dude has something revelant to say about credit cards debt?
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