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Reply to "Anyone else not have any credit cards & why does it hurt my FICO score?"
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[quote=Anonymous]"In any event, I am not sure that I want to pay annual fees to use a credit card just to demonstrate that I am a good credit risk. I would assume that my bank balance and nearly paid off house would probably demonstrate that enough, but these FICO doesn't seem to take assets into consideration. " I have never had a credit card with annual fees... In any case, my understanding was that your interest rate doesn't change much once your credit score is over somewhere between ~740-760[/quote]
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