Well-recognized user
- #21
Well-understood representative
- #twenty two
Well-known representative
- #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 the dudes that need buying a home or fund anything.. hope in order to god you have got good credit. In my opinion specific dudes one accept that playing cards worst you desire to see the picture as a whole. Even though *you* privately been able to spend cash for that which you doesnt suggest they is useful for everybody else. Despite everything i wrote significantly more than I As well (at the same time) repaid dollars to own everything. I won’t enter the reasons right here nevertheless resolved besides to some extent. The one downside to which was I will Never ever make an application for a charge card.. you are going to never ever score financing. Disregard buying a property unless of course I robbed a lender.
In conclusion for the past a decade I must has actually charged regarding the 100K value of blogs. Ive racked upwards a ton of reward Alabama payday loans items ect ect. Occasionally I pay cash to own stuff however, you to definitely setting I am in search of an economy. I know theres guys to the right here with examined a beneficial car and the people wants 3K for this and also you begin this new negotiations and push concerns push as well as the wad of money arrives! Gotta like it!
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