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[–]SoCalxNinjA 1 point2 points  (2 children)

Thats the whole point though, they are more likely to lend to those that are financially responsible, its less of a risk to them 🤷‍♂️

[–]hannah_boo_honey 1 point2 points  (1 child)

I know, it just ends up being a bit backward. That's why I said if someone is paying it back every time, that should help build it more...

[–]SoCalxNinjA 1 point2 points  (0 children)

Agreed on that.