If you ever we wondering how your credit score was calculated well check out this link:
www.walletpop.com/credit/experian/credit-score-myths
To me this is all a bunch of nonsense, credit card companies are all crooked. All they do is take your money and destroy your hopes and dreams of living well. If you make one mistake with paying your bills with them you are in trouble. Credit card are one big scam. It is important however to make the right decisions and keep your credit in check.
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I agree. I would take your points a step further and claim that our entire economic system is a fraud. All it does is create false confidence in the market and weaken people's purchasing power.
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