Well-known member

• #21

Well-known representative

• #twenty two

Well-identified representative

• #23

I usually 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 loans Oxford AL.)

For all you dudes which need purchasing a house otherwise financing some thing.. hope so you can goodness you really have a good credit score. I do believe certain dudes that accept that handmade cards evil you need to see the picture as a whole. Because *you* myself managed to spend dollars to have everything doesnt suggest they will work for anyone. Even after what i wrote significantly more than We Also (each time) paid down cash to have what you. I won’t enter the reasons here nonetheless it worked out as well somewhat. One disadvantage to which had been I will Never ever apply for credit cards.. you will definitely never get a loan. Forget to shop for a house unless of course We robbed a lender.

To summarize for the past a decade I have to enjoys recharged about 100K worth of posts. Ive racked right up a ton of award circumstances ect ect. There are times when We pay bucks to possess posts however, you to setting I am looking a discount. I am aware theres dudes towards the right here that have checked a great car additionally the people wants 3K for it and also you initiate the new negotiations and you may force involves push plus the wad of cash comes out! Gotta think its great!