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I cannot 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 guys that want to invest in a house otherwise financing things.. hope so you can god you may have good credit. In my opinion certain dudes you to definitely believe that playing cards evil you would like observe the big picture. Even though *you* in person were able to spend dollars for everything you does not suggest it will work for everybody. Even after what i blogged over I Too (at the same time) paid bucks to possess everything you. I won’t enter the factors here nevertheless resolved aswell to some degree. https://availableloan.net/payday-loans-ut/ The main one downside to which was I could Never ever apply for a credit card.. you will definitely never ever score a loan. Skip to find property until We robbed a financial.
In conclusion over the past a decade I must enjoys recharged throughout the 100K worth of content. Ive racked up a ton of prize issues ect ect. Periodically I spend bucks to own blogs however, you to definitely mode I’m looking for a savings. I know there is dudes towards here that have examined good car or truck and also the man wants 3K for this and you initiate the fresh new dealings and you can push comes to push while the wad of cash arrives! Gotta like it!