Try to build credit with a secured credit card and on a minimum wage. Decide which bills you have to pay late this pay period. After years of this, you’ll be lucky if you can convert to an unsecured credit card, let alone maintain your (low) credit score, let alone improve it.
Most folks in US can’t even afford a $400 emergency expense. Good luck doing even that when your credit is maxed out and your car breaks down so you can’t work.
We are discussing facts, not just your own personal circumstance. The fact that you are not in these situations does not discount the experiences of others to the contrary.
Most folks in US can’t even afford a $400 emergency expense. Good luck doing even that when your credit is maxed out and your car breaks down so you can’t work.