<prompt> Human: Hi all!Im a 26 yo who applied for his first card 2 years ago. Since then Ive just stuck to my budget and paid the balance when it was due. I aggressively asked for credit line increases so I could keep my util. ratio low about every 6 months. So long as I dont waver from my budget, I never run into a problem with the bank or my score.Now Im not saying life events dont happen; I understand certain situations make it difficult to protect your credit. But in general, youd think it was a lifedeath battle with creditors and banks half the time from what you read on heresee in public forums. I was shocked when I realized this doesnt have to be the case at all.So I guess my question comes down to: why do so many people fail at protecting their scores, barring the obvious unforeseen life circumstances? Are the cons not enough for some people to care, or?  <response>: Because you dont hear complaints from people who maintain good scores through living within our means. Were not vocal about it. Ive had approximately the same high credit score for years. I dont need to obsess about it. I just pay what I have to and pay off my debt aggressively. I hope soon to never need credit again in my entire life. 