I once missed a $10 payment on my credit card and lost 100 points on my credit score. I swear on my life.
Is it an option to not use CC in your life? I don't but I understand people in the city may have a different experience.
Honestly the CC isn’t the problem, it’s mobile phone notification culture. One billion meaningless daily notifications, I just shut everything off. I had used a backwater credit card that I never touch to pay for parking and suddenly CC company was livid that I was delinquent. I rack up over $100 in late fees and lost 100 pts off my cred score. To resolve the issue I had to snail mail in a letter asking them to update the report with the credit score agencies.
Just such a carnival, regardless of how much you want to victim blame me
We all make mistakes, but your score represents the balance of your track record. Is life complicated? Do you innocently forget to make a payment, and then pay back the fees? Do you miss notifications because your spam filter was overly aggressive? I understand all those things. But if that happens a lot maybe credit cards aren't usually the right tool for you. And if you insist otherwise but fail to make payments on time anyway and call yourself a victim of that system, that's exactly the kind of thing I want to know as a potential creditor.
That's different from credit reporting agencies losing your data through negligence, lacking transparency in the algorithm changes that affect people, doing unethical things with the data like was reported yesterday. Let's be clear that none of those things is what happened to you.