Well-recognized member
- #21
Well-known associate
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Well-identified user
- #23
I do not 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 men that want buying a house otherwise loans anything.. pray so you can god you’ve got a good credit score. I think certain men that believe that playing cards evil need to see the big picture. Simply because *you* personally been able to shell out dollars having what you does not imply it is wonderful for every person. Despite the things i wrote over I Too (each time) paid back bucks to possess everything you. I won’t enter the reasons right here nonetheless it exercised at the same time to some extent. The one disadvantage to which was I will Never ever make an application for credit cards.. you are going to never get a loan. Disregard payday loans online Oklahoma to buy a home except if I robbed a bank.
To summarize for the past a decade I have to has charged in the 100K property value articles. Ive racked right up a huge amount of award circumstances ect ect. Periodically I pay cash to possess content but you to function I’m shopping for a discount. I’m sure theres dudes into right here that have looked at good used-car while the man wishes 3K because of it and you begin brand new transactions and you will push comes to shove as well as the wad of cash is released! Gotta think its great!