Regarding the 10 years in the past We come applying for playing cards

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I try not to recommend this to anyone that doesnt have the heart and desire americash loans Cleveland 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 you guys that require to purchase a home or financing one thing.. pray in order to god you really have good credit. I believe some guys you to believe that playing cards evil you would like to see the big picture. Simply because *you* really managed to spend bucks to own everything doesnt imply it is useful for everyone. Despite the thing i blogged significantly more than I Too (each time) paid off bucks to own that which you. I will not enter the factors right here but it resolved nicely to some extent. Usually the one downside to which was I am able to Never get a credit card.. you are going to never ever score a loan. Disregard to order a property unless I robbed a lender.

In closing over the past a decade I must provides charged on the 100K property value articles. Ive racked upwards a ton of reward situations ect ect. Periodically We shell out bucks to have blogs but that function I’m trying to find a discount. I know there is dudes towards the right here which have looked at an effective car additionally the people wishes 3K for this and you also initiate brand new dealings and you will force pertains to push and also the wad of cash happens! Gotta like it!