Isn&#x27;t that how credit and lending work to some extent?  My credit history is relatively sparse but it used to be nearly nonexistent.  My main source of credit history comes from using my Visa for typical monthly purchasing while paying it off every month.  I don&#x27;t have a car loan.  I had a motorcycle loan that I only took because I wanted to build credit and could&#x27;ve easily just paid cash.<p>Even getting that was a bit of a hassle and they only gave me the small loan (around $5000) because my income and expenses clearly showed I shouldn&#x27;t have any issues paying for it.  Outside of some minor low-interest student loan debt in the $10k range, I just don&#x27;t have much history.<p>If I wanted to get a better credit card or some other loan&#x2F;line of credit, I&#x27;d have a harder time getting approved for decent terms because I simply don&#x27;t like to deal with debt.  Like you, this makes me a minority (or at least a less desirable customer for lenders).  I&#x27;d imagine it&#x27;s a similar case.  Some might decline to do business with me.  Others might offer worse terms.<p>It&#x27;s kinda unfortunate because in order to prove my creditworthiness, it would seem I need to do things that I consider less financially wise (take out car loans or other lines of credit to establish a record of paying them off).