Regarding ten years before We started making an application for handmade cards

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I dont 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 https://paydayloanalabama.com/south-vinemont/ 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 the guys that require purchasing a property otherwise loans one thing.. pray to help you goodness you may have good credit. I think certain guys one accept that credit cards evil you desire to see the picture as a whole. Just because *you* myself been able to pay cash to own that which you doesnt mean they is wonderful for everybody. Despite what i composed above We Also (at the same time) paid down cash to have that which you. I won’t enter the reasons here but it resolved too to some degree. One downside to that was I can Never ever sign up for credit cards.. you will definitely never ever rating financing. Ignore to invest in a property unless of course We robbed a bank.

In closing over the past ten years I want to keeps charged about 100K value of stuff. Ive racked upwards loads of reward points ect ect. Occasionally We shell out cash to possess stuff however, you to means I am looking a discount. I’m sure theres men into right here with checked a used car in addition to man wants 3K because of it and you begin the fresh new dealings and force concerns shove therefore the wad of cash is released! Gotta think its great!