this post was submitted on 17 Jul 2025
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Late Stage Capitalism
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This is the whole game, right here. It's their score for how they see you, with respect to exploiting your desire to purchase things, to make money. And to be clear, a big part of that math is how much interest you're likely to pay. If you keep paying things off, and don't usually carry a lot of debt, you're not as profitable a customer. The more you tend to pay interest for things, the higher your score.
Interestingly, a lot of this is not halal. Which means that Muslim banks have some creative workarounds for lending and helping their communities out. While I've never done this myself, it sounds like folks around here might find that an appealing alternative.