Throughout the a decade before I started applying for handmade cards
Well-understood user
- #21
Well-identified user
- #22
Well-recognized member
- #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 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 you men that want to order a house otherwise fund something.. pray to goodness you may have a good credit score. In my opinion some dudes you to definitely believe that playing cards evil you would like to see the picture as a whole. Just because *you* physically were able to spend cash to own that which you doesnt mean they is wonderful for everyone else. Despite the thing i blogged more than I Also (at the same time) paid back cash for everything you. I won’t go into the explanations right https://paydayloanalabama.com/shelby/ here nevertheless worked out besides to some extent. The main one downside to that has been I’m able to Never ever get credit cards.. you can expect to never get a loan. Ignore purchasing a house until I robbed a financial.
In conclusion over the past ten years I have to have billed on the 100K property value posts. Ive racked up a lot of reward situations ect ect. Periodically I shell out dollars to have content but one to means I’m shopping for a savings. I understand there is dudes on right here that have checked-out a used car as well as the people wants 3K because of it while start this new transactions and push pertains to push therefore the wad of cash comes out! Gotta like it!
