How does ANYONE build credit?? Any time I pay off my credit card, something I thought was a GOOD thing, my fucking credit score drops! It dropped 4 points yesterday. How does anyone navigate this stupid process? Mom said it could be that I always spend the $200 dollars on my card before the end of the month, and that might lower my score. What the fuck, that is the dumbest thing I’ve ever heard. Am I NOT supposed to spend it? That is so stupid. I hate hate the whole credit system. It’s confusing and makes no sense to me.

god I’m agitated lately. 😑