The idiotic catch-22 of credit, you need to use credit you don’t need in order to prove that you can pay back credit you do need.

Eg good luck getting a car loan or a mortgage at a reasonable rate if you don’t have credit history.

Ironically OP could probably absolutely qualify for a loan despite barely being able to pay off debts, because lenders want to make money off of you more than they want you to pay back their loans on time. Late fees and interest 🤑