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Joined 1 year ago
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Cake day: June 12th, 2023

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  • I don’t know if it works differently in the US but the best way to build your credit score is to not take on debt.

    Keeping your credit utilization low and not missing any payments is the key. It’s an indication of how likely you are to meet the payments.

    If you max your credit cards out and just pay the minimum amount, carrying thousands of dollars of debt and as a result can’t get a mortgage or a car loan because your credit score is shit then the system is working as expected.


  • There is no continent called “America”. We have North America and South America.

    When someone says “South American” I don’t think Alabama I think Brazil or Argentina.

    The term “North American” is commonly used when you’re describing something that applies to both Canada and the US. Eg. “North American sports teams”.

    We commonly use the term “Central American” when referring to Mexico, El Salvador, etc. because even though they are technically in North America there is a strong cultural divide, similar to how the middle East is technically Asia, but you’d never refer to someone from Saudi Arabia as “Asian”.