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I usually 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 guaranteed approval personal loans Houston TX 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 the dudes which need purchasing property otherwise loans things.. hope to jesus you’ve got a good credit score. I do believe specific dudes one believe that playing cards evil you would like to see the big picture. Just because *you* truly were able to pay dollars having what you does not imply they will work for every person. Even after the things i had written over I Too (at any given time) paid back cash for everything you. I won’t go into the causes here but it resolved at the same time to some degree. The one disadvantage to that has been I’m able to Never ever submit an application for credit cards.. you can expect to never rating financing. Skip to order a property unless of course I robbed a lender.
In closing over the past 10 years I must possess charged regarding 100K value of articles. Ive racked upwards a ton of reward situations ect ect. There are times when We spend cash to have content but one form I am looking for a cost savings. I understand there is guys on the here which have looked at a beneficial car in addition to guy wishes 3K for it and also you begin the new deals and you may force comes to push while the wad of cash happens! Gotta like it!
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