g35x955 wrote:Why am I obsessed with credit cards????
Seriously.. I just don't get it.
I'm going to take a different approach to answering this and just discuss why getting approved for credits and obsessing about credit score and other credit related topics might be addictive in general, not necessarily to you specifically.
I think in a lot of ways playing the 'credit game' really is like playing a game. There's a desire to 'level up' and progress to a better and better score. Crucially, the difficulty in doing so (especially at first and especially for people new to credit without any existing blemishes) is ideal for an engaging 'game.' It's hard enough to stay interesting and engaging, but not so difficult that it seems hopeless or impossible.
As you pointed out, you can also monitor your progress almost 24/7 in various ways. This provides near instant feedback and reward. "My credit score went up!" *rush of dopamine* "Must get it higher!" Same deal with getting a card approval or even just a pre-approval from a company you find attractive.
There's also a social element to it. Forums like this and other financial groups provide a venue for people to literally compare scores, brag, advise, or support each other. This makes it easy to integrate your interests in credit cards directly into your social identity to some extent, at least in some contexts, and that certainly solidifies the addiction.
Finally, there's definitely a social prestige factor at play too. Of course to some extent having a high credit score, being able to be approved for things at the best rates, and having an appealing selection of 'exclusive' cards can make you feel good about yourself and/or impress others.
Indeed the fact that there are potential real life rewards to playing the credit game well is definitely one of, if not the
, most significant thing that makes it addictive.
For some people it may also fill a void of some kind - just like any
addiction from the most harmless to the utterly destructive.
So just play responsibly. Keep things in perspective. Make sure it stays fun and doesn't negatively affect your life.
Anyway, just my speculation.