I/me/we may have mentioned somewhere around these parts that Half has good credit, excellent even, and will make the occasional dig at my personal lack thereof. 

Not that I care but sort of mostly not really sometimes … however epiphany/GODsmack … I realize / God tells me that one only needs good credit if one desires debt.  {Romans 4:4}

Cash and carry / rustle&clink requires no credit … despite a global bug infestation (ah-hem/hack) most businesses (apart from a certain coffee place that shall remain unnamed but how stupid) will still accept cash as payment for goods and services … and I’m good with that.

Now full admission:  credit cards are required for some stuff but really banks pretty much give those away like potato chips … expensive potato chips (hell-OOOOO Whole Paycheck!) but even dead people and pets can get credit cards, albeit at a usurious (an usurious? ^{_{englishmakesnosense}}) rate BUT SOLUTION pay that crap off every month, ask those 7Qs, and spend a lot less when you’re not don’t spending. 

See how that works? 

I do, now. 

A bit late, but what’s that old saying?  Better late than not showing up? 

Well, we’re here