Yep. Netflix removed a lot of my need to pirate, it was so convenient. Then every studio decided they needed their own streaming service and kept increasing prices while quality went down, so now I’m back to pirating.

I’ve always pirated anime tho. For a long time a lot wasn’t available legally and even once it was, I find fan subs to be much better than the official sources.

It’s more the case that if you use more than 20% it is seen as negative. 0-10% is excellent, 10-20% is good, and it gets worse from there. Every year I request a credit increase despite my spending staying the same simply because it makes my utilization go down. But it’s dumb. I don’t need the extra credit. I’ll never use it. But have to have it to max my score.

Was coming here specifically to say credit scores. Oh what’s that you paid off your student loans? Here have a big credit hit as a treat. Oh you’re using your credit? Here have a credit hit even tho you’ve never missed a payment. How dare you use the credit you have??