Well-understood member
- #21
Well-recognized user
- #twenty two
Well-known user
- #23
I you should never recommend this to anyone that doesnt have the heart and desire to play games. I played the 12 months interest free game. Every major purchase I did would always be 12 months interest free, double points for the first 3 months ect ect. As long as I got 6 to 12 months interest free I applied for the card. Keep in mind this was when the economy was good. I did this when I redid my garage floor, attic insulation, parts for my firebird, you name it I did it. Whenever I had a big project I would apply for a new card and charge everything more or less at once on that ONE card and then put it aside and never use it again. To make the numbers each lets say insulating my attic was about $1200 (believe it or not it was close to that). I got a credit card for 12 months interest free and paid the credit card 100 bucks a month. By the time the interest was to kick in the card was paid off. I put the money in the bank (once again interest rates were good at the time) so I made a couple bucks each month in the bank. Figure I did this for YEARS and now have about 10 credit cards. My total credit available is about 60K. My credit score is about 775. What I did was/is not for everyone! To date I can no longer do what I USED to be able to do because of shitty job history and the economy. The last time I applied for a credit card I was denied due to the fact that I had «too many revolving accounts.» Keep in mind that if I canceled these cards my credit score WOULD take a hit. So now I use these cards once a year just to keep them active. In a perfect world when my health is better and I can maintain a good paying job I can go to the bank and say that I have good credit, a good amount saved for a down deposit for a house and in theory buying a house should be somewhat easier as far as credit goes. I refuse to let someone co-sign on the dotted line for anything for me just due to prior experiences of people breaking out the score cards later on in life (remember when I did this for you ect ect.)
For all of your dudes that need to order a home or funds anything.. hope so you’re able to god you’ve got good credit. I think particular guys one to accept that credit cards evil you would like observe the picture as a whole. Simply because *you* personally was able to spend cash to possess everything does not imply they is wonderful for everyone. Even with the things i blogged over I Too (at the same time) paid back dollars getting everything. I won’t go into the grounds here however it worked out besides to some extent. The main one downside to which was I could Never ever submit an application for a charge card.. you will never get a loan. Ignore to find a property unless of course I robbed a financial.
In conclusion over the past 10 years I have to enjoys recharged about 100K worth of posts. Ive racked right up loads of prize items ect ect. Occasionally We spend cash for stuff but one function I am seeking a savings. I understand there is men into the right here which have checked-out an excellent used car additionally the guy desires 3K because of it while begin the newest transactions and you will push pertains to shove and the wad of cash arrives! Gotta think its great!