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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 of your dudes that need purchasing property otherwise finance one thing.. pray to help you goodness you have got good credit. I think specific dudes one to accept that credit cards worst you prefer observe the big picture. Simply because *you* really were able to pay cash to own everything you does not suggest it is wonderful for everybody else. Even with what i composed more than I As well (at a time) paid off bucks having everything. I will not enter the reasons right here nonetheless it resolved also somewhat. One downside to that has been I could Never make an application for credit cards.. you are going to never ever rating a loan. Forget about to acquire a house unless We robbed a financial.
In closing for the past 10 years I need to possess billed throughout the 100K property value stuff. Ive racked upwards a ton of award affairs ect ect. There are times when We shell out dollars having stuff however, one to mode I am wanting a cost savings. I know there is guys towards here which have checked-out a great used car as well as the people wants 3K for this and you start brand new negotiations and you will push concerns push and also the wad of cash arrives! Gotta like it!
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