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Dorikka comments on Effective effective altruism: Get $400 off your next charity donation - Less Wrong
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Disagree. Autopay minimum and set up charge alerts for anything that goes to the card. Approve of your heuristic in general - in thos case, though, the automation works well and reliably.
I was more making a point about the value of a credit score - mine is near perfect anyway. I have a mortgage and three permanent credit cards that I maintain, and no real blemishes.
How do you get to know your credit score?