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• #21

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• #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 all your men that need to get property or money things.. pray so you’re able to goodness you have good credit. I believe certain men you online personal loans AR to definitely believe that credit cards worst you would like to see the big picture. Even though *you* actually was able to pay cash having what you doesnt suggest they is wonderful for everyone. Despite everything i wrote above We As well (at any given time) paid off bucks to own everything. I will not go into the explanations right here nonetheless it exercised besides to some degree. One disadvantage to that was I will Never ever make an application for a charge card.. you can expect to never score that loan. Forget to find property unless I robbed a bank.

In closing over the past a decade I must possess charged in the 100K value of blogs. Ive racked right up a huge amount of reward activities ect ect. Periodically We pay bucks to own posts however, you to mode I’m wanting an economy. I understand there is guys into the right here that have checked a car and guy wants 3K for it and also you begin the brand new dealings and you will force concerns push and also the wad of cash arrives! Gotta think its great!