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realbinky · 09-25-2002, 03:04 PM

Nano, use your credit card for things you would buy ANYWAY and already have money for (ie food, gas, clothes, etc). Anything you can ALREADY afford, then pay it off each month. I do this with "points" cards to earn points on groceries and crap that I would buy in any case, but get something in return. I have financed and refinanced multiple mortgages, and have had many CC in the past. I actually got one up to 48,500 in credit line, and it scared me and I dumped them all. Now I have one card fixed at 7.99 and one at 9.9 if I need them at all. Lastly, don't be afraid to call them and ask for things: call and ask for an up in credit line after 6 months of good standing. You don't need to USE it, but if you have the higher amount, and never get in trouble, that helps. You can also talk your way into better rate deals. Like "I have your card, but I got this thing in the mail and could go to company x for a better deal, what can YOU do for me?" It always works.

Good luck!

09-25-2002, 03:04 PM	#10
realbinky Elminster Join Date: March 14, 2001 Location: Milford, MA 01757 Age: 53 Posts: 442	Nano, use your credit card for things you would buy ANYWAY and already have money for (ie food, gas, clothes, etc). Anything you can ALREADY afford, then pay it off each month. I do this with "points" cards to earn points on groceries and crap that I would buy in any case, but get something in return. I have financed and refinanced multiple mortgages, and have had many CC in the past. I actually got one up to 48,500 in credit line, and it scared me and I dumped them all. Now I have one card fixed at 7.99 and one at 9.9 if I need them at all. Lastly, don't be afraid to call them and ask for things: call and ask for an up in credit line after 6 months of good standing. You don't need to USE it, but if you have the higher amount, and never get in trouble, that helps. You can also talk your way into better rate deals. Like "I have your card, but I got this thing in the mail and could go to company x for a better deal, what can YOU do for me?" It always works. Good luck! __________________ <br />Move all ZIG for great PROGRESS!<br />Project M.U.L.E.<br />At least my kids think I\'m smart...