Re: Example of how having excellent credit pays off

as long as you pay on time every month- it's doesn't matter if you always pay in full

I rarely pay in full-

Re: Example of how having excellent credit pays off

If a person has the ability to pay in full, I can't understand whey they wouldn't...aren't you paying interest then???

Anyway, to the OP--go you!!

Re: Example of how having excellent credit pays off

Re: Example of how having excellent credit pays off

Posted by Beth1210

Posted by Eireann

If a person has the ability to pay in full, I can't understand whey they wouldn't...aren't you paying interest then???

QUOTE]

personally- when I got into debt - I couldn't pay in full- I was making $35K living in NYC- I had a great time- and in another 6 months I will have it all paid off- almost 3 years later

I will never actually use a credit card again- only Amex- which has to be paid in full every month

all of my cards are cut up- expect for that one

Good for you!--it's a great feeling to finally pay it off. Your story is pretty much what happened to me, and I've been paid up for over a year now...yay!!

I was just wondering for those that *can* pay in full...

Re: Example of how having excellent credit pays off

Good for you!--it's a great feeling to finally pay it off. Your story is pretty much what happened to me, and I've been paid up for over a year now...yay!!

I was just wondering for those that *can* pay in full...




that I don't understand- now if I could just stop with the Amex- I would be home free

lesson learned- luckily not at the expense of my credit rating!

it's a great sense of accomplishment!

Re: Example of how having excellent credit pays off

good for you Don!!

Re: Example of how having excellent credit pays off

That's great.

Re: Example of how having excellent credit pays off

Yay for you.

Re: Example of how having excellent credit pays off

I have done that before - of when you get a better offer on a rate, you can tell them you plan on switching and can they match that rate. One time they did match it for me. I told them how much I enjoyed their services, card etc.

Re: Example of how having excellent credit pays off

I always pay in full. The 2 or 3 times I was late, I called to say
1. I am not paying the fee and
2. I am cancelling the card.

I usually wind up with -
1. no fee
2. an extra 10 - 20,000 miles NOT to cancel...!

Re: Example of how having excellent credit pays off

For a late fee, they are not looking up your credit report...they are looking to see how many times you been late in past 12 months or so. Trust me, I know cause i use to work for a major credit card company...

Yeah, if your credit was bad, chances are you are probally calling every month to waive it/or not paying and if your at that point, you are probally at the default pricing which today can be about 30%

Re: Example of how having excellent credit pays off

Re: Example of how having excellent credit pays off

See I knew you were worthy of sauciness....DH and I do the same with our CC....