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On the a decade before I started applying for handmade cards

On the a decade before I started applying for handmade cards

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I try not to 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 you dudes that want to purchase a home or finance anything.. pray in order to jesus you really have good credit. In my opinion some guys that believe that credit cards evil you want to see the picture as a whole. Simply because *you* actually was able to spend cash getting what you doesnt suggest it is useful for everybody. Even after everything i published over I Too (at a time) reduced dollars getting that which you. I won’t go into the reasons here however it worked out also to some extent. Usually the one downside to which had been I will Never ever submit an application for a charge card.. you’ll never ever score financing. Ignore to get a home except if We robbed a lender.

In conclusion for the past ten years I have to has billed regarding the 100K worth of posts. Ive racked up a huge amount of award circumstances ect ect. Periodically I shell out paydayloanalabama.com/springville bucks for blogs however, one to form I am shopping for a discount. I know there is guys to your right here that have checked out an excellent car additionally the people wants 3K because of it therefore begin the latest negotiations and you will force comes to push together with wad of cash arrives! Gotta think its great!