They were either or situations not all. But you paid credit card loans slow. Thats bad,real bad. It drops your rating radically.
I said something because much of the talk was on how to get a loan and not on how to pay it. You didn't share that you were healthy enough to buy it cash. Was trying to get you back to reality before you got buried in debt.
I apologize for caring about your financial health. Did not mean to hurt your feelings.
