About ten years back We started applying for playing cards

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I cannot 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 payday loans Vona 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 of your guys that need to acquire a property or money anything.. pray so you’re able to goodness you may have a good credit score. I think some guys you to definitely accept that handmade cards worst you want observe the picture as a whole. Even though *you* yourself managed to spend bucks having what you does not mean it is wonderful for people. Despite the things i had written above We Too (at one time) paid back bucks for everything you. I won’t go into the causes right here it resolved nicely to some degree. One disadvantage to that was I will Never ever submit an application for a charge card.. you can expect to never ever score that loan. Forget about to purchase a home except if I robbed a financial.

To summarize for the past a decade I need to keeps billed on 100K worth of articles. Ive racked right up a huge amount of award circumstances ect ect. There are times when I spend dollars having content however, you to means I’m wanting a discount. I understand theres guys to the right here that have checked an excellent used car and also the man wishes 3K because of it and you initiate new deals and you can push comes to push and also the wad of cash happens! Gotta think its great!

artburo

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