If I have the money on my account, why do I need to borrow it to show I can pay it back and am "trust worthy". If you have enough money in the bank and use it well and don't get in debt, doesn't it show that you are trust worthy? No you have to get in debt to show you can pay back debt.

The thing is that credit system is built so that you're forced to use it to show that you are reliable instead of it being something you have access to and can use every now and then.

It shows your ability to pay back debt you didn't need to take on, with money you already had.

It has nothing to do with managing your money well, it's the supidest shit.