Interesting, I also am an INTJ-A.

You aren't kidding on the credit slavery. I'm so far down that hole trying to please my ex wife years ago I often wonder if I will dig myself out. Trying to take steps this year to stop the vicious cycle.

Also I'm not as bad now as I was then.

You also present things from a sound position. I often shake my head at some authors here who need to insult those who disagree with their far right stance, then cry because those they were insulting took umbrage and began a flagging campaign.

Congrats on your credit score. Might come in handy for insurance rates or if you are ina terrible accident that drastically altars your personality in such a manner as to make you go on a shopping spree you can't afford.