From the a decade ago We come applying for handmade cards

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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 installment loans in Alaska 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 guys which need to find a house otherwise funds things.. hope in order to goodness you have good credit. I believe particular dudes you to definitely accept that handmade cards worst you prefer observe the picture as a whole. Because *you* personally was able to spend bucks for everything you doesnt indicate they is wonderful for every person. Despite what i authored significantly more than We Also (at the same time) paid cash to possess everything. I won’t go into the factors right here nevertheless exercised and to some degree. The only disadvantage to that was I will Never sign up for a credit card.. you are going to never ever get a loan. Disregard to acquire property until We robbed a lender.

In closing for the past 10 years I must has actually recharged on the 100K value of posts. Ive racked upwards loads of reward facts ect ect. Periodically We shell out cash for stuff however, one means I’m shopping for a savings. I know there is men into here which have looked at an excellent used car while the man wants 3K for this and you also initiate the brand new dealings and you can force involves shove as well as the wad of cash arrives! Gotta think its great!