My coworker accidentally taught everyone in the office a lesson about credit without even trying

This happened last month, but it stuck with me.

We had this new guy - mid-20s, super laid back, really friendly but kinda clueless with admin stuff. HR was onboarding him and needed some documents, and apparently one of the things got flagged because his credit history was almost nonexistent.

He looked so confused, like he didn’t even know that was a thing. He kept saying, “But I’ve never missed a payment,” and HR had to explain that not having history is its own problem.

Then during lunch, he admitted loud enough for a few of us to hear that he avoided anything credit-related because his parents told him “credit cards are how people ruin their lives.” He just assumed avoiding credit meant he was being responsible.

Everyone kinda paused because… honestly a lot of us grew up with that same mindset.

He’s fine now, HR cleared everything and he’s building his history slowly using Fizz card, but watching him panic and then watching everyone silently relate to him was kinda eye-opening.

Most of us aren’t irresponsible. We’re just guessing our way through adulthood and hoping we don’t screw it up too badly.

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