BarryRunSome Posted October 25, 2015 Report Share Posted October 25, 2015 PTC's typically not open to the public. Not sure on specifics of state of Illinois.No one cares that you watch Law and Order all day Shut your fucking Person who inserts genitals into their mouth . Stick to what your best at. taking facials Quote Link to comment Share on other sites More sharing options...
sleepy Posted October 25, 2015 Report Share Posted October 25, 2015 hard to sue a guy with no money and no job broke can lol and tell them all to fuk off Quote Link to comment Share on other sites More sharing options...
Sol Diabler Posted October 25, 2015 Author Report Share Posted October 25, 2015 I do this all the time. Don't understand why more people don't. Sharpest post Dobbler has ever made. There is a reason why people become monetarily successful in the game of life. And its not by living ABOVE your means like most clowns and its not by leaving free money on the table. Quote Link to comment Share on other sites More sharing options...
ajt Posted October 25, 2015 Report Share Posted October 25, 2015 hard to sue a guy with no money and no job broke can lol and tell them all to fuk offMeanwhile the sportsbooks continue to cash in on Alberta oil at a record pace. Quote Link to comment Share on other sites More sharing options...
joeybagadonuts Posted October 25, 2015 Report Share Posted October 25, 2015 I agree this is beneficial to a very disciplined person. Could be harmful to the undisciplined. Also negatively impacts your credit score.Explain how it negatively impacts your credit score, cop. Here's a hint since you have no clue what you're talking about , it doesn't. Sunrise debt solutions dot com Quote Link to comment Share on other sites More sharing options...
Cop Posted October 25, 2015 Report Share Posted October 25, 2015 Explain how it negatively impacts your credit score, cop. Here's a hint since you have no clue what you're talking about , it doesn't. Sunrise debt solutions dot com Every time you open or close an account it can impact your credit score Quote Link to comment Share on other sites More sharing options...
sleepy Posted October 25, 2015 Report Share Posted October 25, 2015 lol when i bought my car having no job did not even impact my credit score Quote Link to comment Share on other sites More sharing options...
greenhippo Posted October 25, 2015 Report Share Posted October 25, 2015 Every penny I spend goes on Amex Blue or my Visa Signature. Cash back so far this year is about $300. I haven't used my debit card in so long they recently cancelled it and I had to get a new one. I don't have any major monthly purches that will ramp it up but I'm content with them giving me money and paying no interest. Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted October 25, 2015 Report Share Posted October 25, 2015 Are there any rewards cards if you have a 402 credit score I'd like one Quote Link to comment Share on other sites More sharing options...
Sol Diabler Posted October 26, 2015 Author Report Share Posted October 26, 2015 Are there any rewards cards if you have a 402 credit score I'd like one I doubt you are gonna be able to work the system until you get that score up, pal. Quote Link to comment Share on other sites More sharing options...
joeybagadonuts Posted October 26, 2015 Report Share Posted October 26, 2015 Every time you open or close an account it can impact your credit scoreSure but it can also benefit you. You add credit to total available credit and lower you credit utilization percentage due to having more available. If you have decent credit to begin with, taking advantage of these sorts of things will actually benefit your credit score. Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted October 26, 2015 Report Share Posted October 26, 2015 Sure but it can also benefit you. You add credit to total available credit and lower you credit utilization percentage due to having more available. If you have decent credit to begin with, taking advantage of these sorts of things will actually benefit your credit score.In the short term opening new accounts can and will negatively impact your credit score because of inquiries. But JoSeph is absolutely correct. In the long term it's beneficial because it raises your available credit and lowers your debt to credit ratio Quote Link to comment Share on other sites More sharing options...
spankie Posted October 26, 2015 Report Share Posted October 26, 2015 Inquiries are not that big of a deal. Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted October 26, 2015 Report Share Posted October 26, 2015 Inquiries are not that big of a deal. Correct. Very minor on the scale of whats important, but it will ding your score. In order of importanceon time paymentsoldest credit lineavailable creditrecent inquiriesnew accounts Quote Link to comment Share on other sites More sharing options...
joeybagadonuts Posted October 26, 2015 Report Share Posted October 26, 2015 In the short term opening new accounts can and will negatively impact your credit score because of inquiries. But JoSeph is absolutely correct. In the long term it's beneficial because it raises your available credit and lowers your debt to credit ratio Exactly. I was toying with piglet cop. I was a realtor and part of getting your licensing you had take a credit course where they explain how , why, and how much things change your score. Inquires really aren't a big deal when it comes down to it. Getting more credit and using less of it is almost always good. Quote Link to comment Share on other sites More sharing options...
bookbraker Posted October 26, 2015 Report Share Posted October 26, 2015 I only have 1 cc. It's a chase business card. I spend anywhere between 5k and 10k per month. It pays 3% back at gas stations, hardware, office supply, and grocery stores. It pays 1% on all other purchases. I usually get at least $1,200 per year. Quote Link to comment Share on other sites More sharing options...
Sol Diabler Posted October 26, 2015 Author Report Share Posted October 26, 2015 I only have 1 cc. It's a chase business card. I spend anywhere between 5k and 10k per month. It pays 3% back at gas stations, hardware, office supply, and grocery stores. It pays 1% on all other purchases. I usually get at least $1,200 per year. I use my Chase Sapphire card if I'm not taking advantage of the airline deals. Chase Sapphire is very similar to the one you use as far as cash back. Free money. But if you are going to travel anyway, the cash back on that card does not even touch the money you could save on airline tickets. The $4k I spent on those airline cards was worth over $1,500. That $4k on my Chase Sapphire card would be just over $40. Quote Link to comment Share on other sites More sharing options...
bookbraker Posted October 26, 2015 Report Share Posted October 26, 2015 I use my Chase Sapphire card if I'm not taking advantage of the airline deals. Chase Sapphire is very similar to the one you use as far as cash back. Free money. But if you are going to travel anyway, the cash back on that card does not even touch the money you could save on airline tickets. The $4k I spent on those airline cards was worth over $1,500. That $4k on my Chase Sapphire card would be just over $40. No doubt about it. I am not a fan of flying. I try and avoid it if at all possible. I actually drove from PA to orlando two weeks ago when amtrak cancelled due to bad weather in the carolinas. Quote Link to comment Share on other sites More sharing options...
ERBtheGREAT Posted October 26, 2015 Report Share Posted October 26, 2015 I just signed up for American Express Blue Cash Card or whatever. They sent me an RSVP code so I signed up and got approved in 30 seconds. Spend $1,000 in the first 3 months and you get back 250 cash on your statement. I'm moving to my new house in a few weeks so I'll be buying a TV which will get me close already to the $1,000. No annual fee and 250 bucks for buying something I was going to anyways, wonderful. Quote Link to comment Share on other sites More sharing options...
Gabe Posted October 26, 2015 Report Share Posted October 26, 2015 Yes I've been doing this for years, it's a no brainer. Also God forbid you get cleaned out by a thief, easier to retrieve CC funds then debit funds that is actual "real" money. Quote Link to comment Share on other sites More sharing options...
Gabe Posted October 26, 2015 Report Share Posted October 26, 2015 Discover it and chase freedom have quarterly 5% cash back reward programs. Stuff like gas, restaurants, dept stores etc. AMEX BLUE CASH is 6% on groceries which is an absolute must. My debit card is only for direct deposit from work and withdrawing from ATM. Every purchase I make is with CC's and I pay them off immediately every Monday., Quote Link to comment Share on other sites More sharing options...
nothing but winners Posted October 27, 2015 Report Share Posted October 27, 2015 if im not mistaken capitalone has these cards also....1.5% back Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted November 3, 2015 Report Share Posted November 3, 2015 I got approved for an Amex secured card today. I deposit money up front and whatever I deposit thats what my limit is My fico score was 453 today. Went up 19 points Quote Link to comment Share on other sites More sharing options...
BGS 9.5 Posted November 3, 2015 Report Share Posted November 3, 2015 Last check my equifax score was 402 and transunion was 421 I only have secured credit cards They don't have rewards jfc Barry, secured CC's???? Never heard of such a thing Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted November 3, 2015 Report Share Posted November 3, 2015 jfc Barry, secured CC's???? Never heard of such a thingI have 1 non-secured card but the credit limit is only $75.00 I usually have it maxed out again, the day after my minimum payment posts The secured AMEX i just got is 1% cash back on select fast food restaurants Quote Link to comment Share on other sites More sharing options...
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