Credit Sucks

~The financial panties of America are wadded. While it has sent our gas prices up quite a bit, it doesn't affect us much yet... yes, our COLA is staying right where it is, as prices in America rise, but we don't shop off base, and we don't buy much extra stuff, or eat out often... So, other than watching the government run the dollar into the dirt like a spectator sport, it phases me very little.

We don't have a house and mortgage, and I don't see us having one for quite some time. Good thing- as I have found out our credit sucks. Not because we are in debt up to our ears, but because we don't owe anyone any money. We get paid, we pay our living expenses, and we put some in savings. I don't write out checks to Visa and Mastercard every month... and when I see people on TV with $50,000+ in credit card debt, I sit here with a really puzzled look on my face. How does one spend that much money that they don't have? How does a bank keep giving them MORE money that they don't have if they can't afford what they already have- and yet if I were to ask that same bank for a credit card, they shit on me and laugh me out the door?

We have one credit card with a really low limit- basically enough to buy a set of tires if they explode- and it has a balance of around $20. We have no car loans, no rent, no store accounts, and no lines of credit. All of our money is ours. It is for school lunches and gas and groceries... not AMEX or a GM car loan.

Somehow this makes us a bad risk... we have to owe money to borrow money. So to get a good mortgage rate in a few years, we have to borrow money right now that we don't need, so we can pay back more than we borrowed... for money we didn't need in the first place. What. The. Fuck. Oh, and the fact that we are military works against us, not for us, even though being military would make it EASIER to track us down than Joe Blow Asshole if we did default. Really makes no fucking sense- but I guess that's business.

It sucks.