You cant cure stupid, only kill it..
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Nope, never heard of that credit. Here it's mostly visa and mastercard.
And if I did have that card it wouldn't of been beneficial to me as I pay the card balance before it's due anyway. When they checked my credit score to buy my house I was approved almost instantly even if I didn't ever had a steady job in one place. Last time some institution checked my credit score the guy told me I could lend money to the bank. Not because I had a lot of money but my score was so good.