ArcticCrusher Posted November 25, 2022 Share Posted November 25, 2022 (edited) 29 minutes ago, Deephaven said: Nobody said that, but you can't read. The real point on the points is that taking free money is a better idea than not. Obviously you aren't smart enough to get that. A high revolving balance does change your credit score. Mine is at 831 because of it....but I spend between $15-30k/month on my credit card so my balance is rather larger regardless of when it is pulled. Paid off every month though. I've not paid interest on a CC since college. That about the same here and always paid. You're not getting rich off points. We get a 2% discount from our main supplier for paying in 10 days by check. Edited November 25, 2022 by ArcticCrusher Quote Link to comment Share on other sites More sharing options...
Deephaven Posted November 25, 2022 Share Posted November 25, 2022 On my personal card...not some business. Derr... Quote Link to comment Share on other sites More sharing options...
ArcticCrusher Posted November 25, 2022 Share Posted November 25, 2022 1 minute ago, Deephaven said: On my personal card...not some business. Derr... Same here. Quote Link to comment Share on other sites More sharing options...
Deephaven Posted November 25, 2022 Share Posted November 25, 2022 1 minute ago, ArcticCrusher said: Same here. 42 minutes ago, ArcticCrusher said: You're not getting rich off points. We get a 2% discount from our main supplier for paying in 10 days by check. Derr. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted November 25, 2022 Platinum Contributing Member Share Posted November 25, 2022 5 hours ago, ActionfigureJoe said: This last summer I was pushing $15-20k a month through a credit card for two van builds. Paid it off before every billing cycle. Credit score through Equifax and TransUnion never dropped below 820. I swear that some people here make shit up just to have something to post. Nice score...the highest I seen mine was 823.....but dipped briefly under 800 when I took out a low apr loan against 2 cards for 30k to buy the camp which I flipped. Too much debt ratio but I am nearly back to 810 since paying off those temporary loans. 2 hours ago, EvilBird said: Just hilarous . You get suckered into the dumbest threads and just post after post annoy everyone and never shut up . You were the kid at the playground nobody wanted to chill with . Bigtime Male Karen Your life must really suck, all day on FS lmao..... I fixed a bunch of shit today, fixed my buddys tractor, did the brakes on my old Pontiac, changed the Oil on the Wife's Civic, And now just got home on the Harley after cruising around visiting a few friends . Wow....a Sam Adams this time 1 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 25, 2022 Share Posted November 25, 2022 35 minutes ago, Deephaven said: On my personal card...not some business. Derr... Between 15-30k per month on your personal card...what are you a rapper? 2 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 25, 2022 Platinum Contributing Member Share Posted November 25, 2022 13 minutes ago, SkisNH said: Between 15-30k per month on your personal card...what are you a rapper? When you use it for everything, it adds up in a hurry! Quote Link to comment Share on other sites More sharing options...
ArcticCrusher Posted November 25, 2022 Share Posted November 25, 2022 57 minutes ago, Deephaven said: Derr. The cc balance is Bush league. Quote Link to comment Share on other sites More sharing options...
DriftBusta Posted November 25, 2022 Share Posted November 25, 2022 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted November 26, 2022 Platinum Contributing Member Share Posted November 26, 2022 On 11/24/2022 at 8:21 PM, SkisNH said: Between 15-30k per month on your personal card...what are you a rapper? Damn....$1000 per day...must be paying for Hunters crack addiction. 1 Quote Link to comment Share on other sites More sharing options...
Guest Posted November 26, 2022 Share Posted November 26, 2022 On 11/24/2022 at 8:21 PM, SkisNH said: Between 15-30k per month on your personal card...what are you a rapper? Do you realize the Covid pricing on hookers and blow? Quote Link to comment Share on other sites More sharing options...
Gold Member EvilBird Posted November 26, 2022 Gold Member Share Posted November 26, 2022 Debt Credit What a concept , adored by most Boomers How many Trillions has our Government got our debt too now? Quote Link to comment Share on other sites More sharing options...
Snake Posted November 26, 2022 Share Posted November 26, 2022 On 11/24/2022 at 6:37 PM, Deephaven said: A high revolving balance does change your credit score. Mine is at 831 because of it....but I spend between $15-30k/month on my credit card so my balance is rather larger regardless of when it is pulled. Paid off every month though. I've not paid interest on a CC since college. All I was trying to say... whether you pay it or not, there is a balance that gets reported. Quote Link to comment Share on other sites More sharing options...
Deephaven Posted November 26, 2022 Share Posted November 26, 2022 Yep, and it does knock off about 10-20 points but that is it. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 26, 2022 Platinum Contributing Member Share Posted November 26, 2022 Just now, Deephaven said: Yep, and it does knock off about 10-20 points but that is it. What you see and what a lender sees would surprise you. Many times your rating is higher than a credit report says. Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 26, 2022 Share Posted November 26, 2022 Who cares what your credit score is if you can actually afford the things you buy. An 820 credit score doesn't mean your a high net worth individual or that you have .10cents to your name. It's only am indication of how well you handle revolving debt. I still contend its simply best not to play the game. 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 26, 2022 Platinum Contributing Member Share Posted November 26, 2022 1 hour ago, SkisNH said: Who cares what your credit score is if you can actually afford the things you buy. An 820 credit score doesn't mean your a high net worth individual or that you have .10cents to your name. It's only am indication of how well you handle revolving debt. I still contend its simply best not to play the game. Whatever works best for you. I used my CC 7 times yesterday. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted November 26, 2022 Platinum Contributing Member Share Posted November 26, 2022 36 minutes ago, Steve753 said: Whatever works best for you. I used my CC 7 times yesterday. Yeah....to each their own. I personally like the offers I recieve wirh a great credit score. It comes in handy. Still amazed at 30k in monthly incidental expenses by Deephaven...360k annually......Damn we have some ballers in here....must be making a cool mil or so per year... 1 1 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 26, 2022 Share Posted November 26, 2022 45 minutes ago, Steve753 said: Whatever works best for you. I used my CC 7 times yesterday. Used my debit card equally as much....and I didn't have a short term loan 🙃 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 26, 2022 Platinum Contributing Member Share Posted November 26, 2022 1 minute ago, SkisNH said: Used my debit card equally as much....and I didn't have a short term loan 🙃 No benefits though. Sorry. Quote Link to comment Share on other sites More sharing options...
Deephaven Posted November 26, 2022 Share Posted November 26, 2022 You care. It was your commentary that brought up revolving credit ruins your score. Only reason it was discussed. Had to debunk that as a concern. As for playing the game, you are just not very intelligently. 1 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 26, 2022 Share Posted November 26, 2022 28 minutes ago, Deephaven said: You care. It was your commentary that brought up revolving credit ruins your score. Only reason it was discussed. Had to debunk that as a concern. As for playing the game, you are just not very intelligently. No I didn't bring it up....look elsewhere. I play my game very well...I don't finance anything, especially depreciating assets. Who needs a credit score for a better car loan if you don't borrow the money... Continue to think you're winning by getting your points. My life wouldn't change one way or another... 1 Quote Link to comment Share on other sites More sharing options...
Snake Posted November 26, 2022 Share Posted November 26, 2022 8 minutes ago, SkisNH said: No I didn't bring it up....look elsewhere. I play my game very well...I don't finance anything, especially depreciating assets. Who needs a credit score for a better car loan if you don't borrow the money... Continue to think you're winning by getting your points. My life wouldn't change one way or another... Brings back a Slinger quote... one of the few that were relevant.... "Tripping over a dollar to pick up a dime." Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 26, 2022 Platinum Contributing Member Share Posted November 26, 2022 11 minutes ago, Snake said: Brings back a Slinger quote... one of the few that were relevant.... "Tripping over a dollar to pick up a dime." No one's tripping. It's ok if you're afraid. Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 26, 2022 Share Posted November 26, 2022 On 11/24/2022 at 7:49 PM, Deephaven said: Derr. I believe he said paying by check...carry on. Quote Link to comment Share on other sites More sharing options...
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