Cut off dead

The funny thing with credit score is, if you never borrow money** or buy things on tick,
your credit score is low

**A part from mortgage and a car
I reckon I pay cash for over the counter stuff about 99% of the time: I recall handing over the dosh for some new jeans in I think Debenhams and as usual the till monkey asked if I was interested in a store card.
" Thanks but no thanks".
" You'll get 10% off on your next purchase".
" The reason I'm paying cash is because you'd charge me something like 30% APR if I had a card and forgot to pay it off in full".

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