Quote Originally Posted by Kaedan94 View Post
Yes, it is. Ask any Credit Card company or Loan Officer. Between a customer with bad credit and one with no credit, they'll always favor the bad credit customer, and the bad credit customer stands a better chance of getting the loan or credit card than the no credit customer.

But in any case, I'm glad you get what I was saying. ^_^
I wont continue past this post as to not get horribly off topic, and because this thread is horrible to begin with but, asking a credit card company or loan officer if it is better to be in debt or not in debt is probably the worst advice anybody could give. Of course they will tell you credit is important, they want your interest payments. Ill end this with one last comment to everyone.

YOU DO NOT NEED CREDIT! Save your money and pay cash. You will live a happier life.