There are a couple products out there that will simulate a credit card, but not actually extend credit that can put you in debt. Depending on how you feel about fintech “banks”, Simple has a product called “credit builder” that works quite well. It’s essentially a revolving secured CC, but to the user it acts like a reloadable debit card.
Honestly same though. It’s not easy. I was dumb in the past and have loads of debt still, so I’ve had to learn these things the hard way so I can try to build it back up.
There are a couple products out there that will simulate a credit card, but not actually extend credit that can put you in debt. Depending on how you feel about fintech “banks”, Simple has a product called “credit builder” that works quite well. It’s essentially a revolving secured CC, but to the user it acts like a reloadable debit card.
This is such good advice. I am stubborn about not playing the game with it though. Appreciate your thoughts here though.
Honestly same though. It’s not easy. I was dumb in the past and have loads of debt still, so I’ve had to learn these things the hard way so I can try to build it back up.