And legit creditors just need your SSN, address, and maybe an old address. They run a credit check (hence why you freeze that shit) and then you are driving away in your 4k a month pickup truck.

And less legit creditors… don’t ask too many questions other than where you live and where your loved ones love.

But hey. Feel free to throw a hissy fit rather than think through why that plastic card actually doesn’t matter anywhere near as much as you thought it did. I mean, it would be nicer if you could actually sit and think and learn. But this is the 2020s. Ain’t nobody doing introspection.