Microblog Memes

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A place to share screenshots of Microblog posts, whether from Mastodon, tumblr, ~~Twitter~~ X, KBin, Threads or elsewhere.

Created as an evolution of White People Twitter and other tweet-capture subreddits.

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Please put at least one word relevant to the post in the post title.
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The numbers will determine your fate (lemmy.world)

submitted 10 months ago by [email protected] to c/[email protected]

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[–] [email protected] 1 points 10 months ago

Its a bit of gaming the system, but I see the logic in it.

Since self control is an important part of repaying debts, having a card (line of credit) that you could use, but don't, indicates you have a level of self control. There are people that, given any amount of credit line, will immediately run the debt up to the limit.

The measure of a person having a line of credit and not using it indicates to lenders you do have that level of self control. This isn't the only input used in a lending decision, but I can see the value of it when we're trying to determine one small test applied to general large populations.