Well-known member

• #21

Well-understood representative

• #22

Well-identified 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 description 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 your guys that want to invest in property otherwise money one thing.. pray so you’re able to god you’ve got a good credit score. I think certain men one to believe that credit cards evil need to see the big picture. Simply because *you* personally been able to spend dollars for everything you doesnt mean they is useful for people. Despite the things i typed over We As well (at any given time) reduced bucks to have what you. I will not enter the explanations here but it resolved as well to some degree. One downside to which had been I will Never ever apply for a credit card.. you will never rating financing. Forget to get a home until We robbed a financial.

In conclusion over the past a decade I want to have charged on the 100K worth of stuff. Ive racked right up a lot of award circumstances ect ect. Occasionally We pay bucks getting posts but you to mode I’m in search of a discount. I understand theres dudes towards the right here having checked an excellent car or truck therefore the guy wants 3K because of it and also you begin new negotiations and force pertains to shove as well as the wad of cash is released! Gotta think its great!