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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 Stockton loans 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 dudes that require to invest in a house otherwise financing something.. hope in order to jesus you’ve got good credit. In my opinion some dudes one believe that handmade cards evil you prefer to see the big picture. Even though *you* individually was able to shell out cash getting everything doesnt mean they is useful for everybody else. Despite the things i authored significantly more than We As well (at the same time) repaid cash getting what you. I will not go into the reasons right here nonetheless it worked out also to some degree. The only disadvantage to that has been I’m able to Never get a credit card.. you can expect to never get financing. Disregard to invest in a property unless of course I robbed a lender.
In conclusion over the past ten years I must has energized from the 100K property value articles. Ive racked upwards loads of reward items ect ect. There are times when I spend dollars to possess stuff but one form I am seeking a cost savings. I am aware theres guys on the here which have looked at good car or truck and the guy desires 3K for this and also you begin the fresh new deals and you can force comes to push in addition to wad of money arrives! Gotta like it!