Snake Posted November 24, 2022 Share Posted November 24, 2022 1 minute ago, Steve753 said: Not concerned. Find your ritual funny though. And...... why? I find your method odd as well... but I bet it works for you, And ain't that what matters? Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 1 minute ago, Snake said: And...... why? I find your method odd as well... but I bet it works for you, And ain't that what matters? Are you serious? Quote Link to comment Share on other sites More sharing options...
Snake Posted November 24, 2022 Share Posted November 24, 2022 7 minutes ago, Steve753 said: Are you serious? That you do you and I do me? Ummm... yuh... Quote Link to comment Share on other sites More sharing options...
ActionfigureJoe Posted November 24, 2022 Share Posted November 24, 2022 People who think they're hiding like Ted Kaczynski but post on the internet about the amount of cylinders. 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 6 minutes ago, Snake said: That you do you and I do me? Ummm... yuh... Maybe start re-reading what you post. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 24, 2022 Share Posted November 24, 2022 13 minutes ago, Steve753 said: Maybe start re-reading what you post. I don't care enough about it to.... think this is real life or something? Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 24, 2022 Share Posted November 24, 2022 You do it your way...I'll do it mine. I have zero debt own 3 properties outright and don't ever have to work another day in my life. Very satisfied with living debt free and trying to encourage others to do so as well. 2 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 42 minutes ago, SkisNH said: You do it your way...I'll do it mine. I have zero debt own 3 properties outright and don't ever have to work another day in my life. Very satisfied with living debt free and trying to encourage others to do so as well. Same. 1 Quote Link to comment Share on other sites More sharing options...
ArcticCrusher Posted November 24, 2022 Share Posted November 24, 2022 1 hour ago, SkisNH said: You do it your way...I'll do it mine. I have zero debt own 3 properties outright and don't ever have to work another day in my life. Very satisfied with living debt free and trying to encourage others to do so as well. The only good debt is asset backed. It's rather laughable those here who think getting cash back equates to that. Keep doing what you're doing. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 29 minutes ago, ArcticCrusher said: The only good debt is asset backed. It's rather laughable those here who think getting cash back equates to that. Keep doing what you're doing. So you think using the free benefits a CC gives you is bad? And remember it's not debt if you don't carry a balance. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 24, 2022 Share Posted November 24, 2022 19 minutes ago, Steve753 said: So you think using the free benefits a CC gives you is bad? And remember it's not debt if you don't carry a balance. It is in the eyes of the credit bureau... Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 1 minute ago, Snake said: It is in the eyes of the credit bureau... And? You scared of them. If you don't carry a balance it plays no bearing in a negative way. Although if you are new to the credit game, it can hinder you. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 24, 2022 Share Posted November 24, 2022 1 minute ago, Steve753 said: And? You scared of them. If you don't carry a balance it plays no bearing in a negative way. Although if you are new to the credit game, it can hinder you. I'm simply saying it will affect a credit score. The rest is position assignment. Stop that. If someone is concerned about their score, it would be a bad idea to say this is a good idea. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 Just now, Snake said: I'm simply saying it will affect a credit score. The rest is position assignment. Stop that. If someone is concerned about their score, it would be a bad idea to say this is a good idea. Yes paying your bills on time is great for your score. Quote Link to comment Share on other sites More sharing options...
Gold Member EvilBird Posted November 24, 2022 Gold Member Share Posted November 24, 2022 How is this thread still going? 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 2 minutes ago, EvilBird said: How is this thread still going? This isn't Chin-ah. No one's forcing you to participate. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 24, 2022 Share Posted November 24, 2022 1 minute ago, Steve753 said: Yes paying your bills on time is great for your score. Charge $3k. Statement balance $3k. Pay off $3k, incur $3k more. Statement balance $3k. If you lower your available borrowing power, by borrowing, your credit score goes down. You will get an atta boy for making a payment... a small + not equal to the - your balance makes. Ain't scared of this shit, just knowledgeable. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 24, 2022 Share Posted November 24, 2022 Just now, Steve753 said: This isn't Chin-ah. No one's forcing you to participate. Thank god it isn't a Covid jab, otherwise.... 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 3 minutes ago, Snake said: Charge $3k. Statement balance $3k. Pay off $3k, incur $3k more. Statement balance $3k. If you lower your available borrowing power, by borrowing, your credit score goes down. You will get an atta boy for making a payment... a small + not equal to the - your balance makes. Ain't scared of this shit, just knowledgeable. My statement balance is zero every month. You're really showing your lack of knowledge on the subject. Quote Link to comment Share on other sites More sharing options...
Snake Posted November 24, 2022 Share Posted November 24, 2022 3 minutes ago, Steve753 said: My statement balance is zero every month. You're really showing your lack of knowledge on the subject. No, you zero it out. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 2 minutes ago, Snake said: No, you zero it out. Every CC has a time limited where borrowing is free. Some are 21 days only,some are more. My CC payment rotates on the amount of days I'm allowed for said card. You set it once and don't have to worry about paying it. That is of course if you have the funds to pay it. Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 24, 2022 Share Posted November 24, 2022 56 minutes ago, Steve753 said: So you think using the free benefits a CC gives you is bad? And remember it's not debt if you don't carry a balance. Or it's a short term loan...depends on perspective I guess. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 8 minutes ago, SkisNH said: Or it's a short term loan...depends on perspective I guess. If I didn't get any benefits from using the CCs, I wouldn't use them. I'd just use a debit card or cash. Quote Link to comment Share on other sites More sharing options...
ArcticCrusher Posted November 24, 2022 Share Posted November 24, 2022 1 hour ago, Steve753 said: So you think using the free benefits a CC gives you is bad? And remember it's not debt if you don't carry a balance. That's not what I said. Its OK for points and I have one for that. Its also pretty hard to book a hotel or car without one. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 24, 2022 Platinum Contributing Member Share Posted November 24, 2022 1 minute ago, ArcticCrusher said: That's not what I said. Its OK for points and I have one for that. Its also pretty hard to book a hotel or car without one. What did you say then? Quote Link to comment Share on other sites More sharing options...
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