Platinum Contributing Member steve from amherst Posted October 6, 2023 Platinum Contributing Member Share Posted October 6, 2023 Just got a credit card offer ( one of the 5 or so I get a week ) 0.00% untill next June Then 30.49 %. What a fucking bargain 6 Quote Link to comment Share on other sites More sharing options...
Voodoo Posted October 6, 2023 Share Posted October 6, 2023 Lol They will have takers Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member steve from amherst Posted October 6, 2023 Author Platinum Contributing Member Share Posted October 6, 2023 13 minutes ago, Voodoo said: Lol They will have takers At first I just laughed, then realized you are correct. Some fool will get one. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 5 hours ago, steve from amherst said: Just got a credit card offer ( one of the 5 or so I get a week ) 0.00% untill next June Then 30.49 %. What a fucking bargain I take those offers of 0% all the time.....sometimes I bounce a balance from one card to another .....and pay them off prior to the promotional rate expiration. The way I look at it is free time to pay a pricey project or toy off interest free.... and if there is a transfer fee, my cards are usually only 3% . Played right and those offers are outstanding 😜 IMO. Quote Link to comment Share on other sites More sharing options...
Snake Posted October 7, 2023 Share Posted October 7, 2023 11 hours ago, ViperGTS/Z1 said: I take those offers of 0% all the time.....sometimes I bounce a balance from one card to another .....and pay them off prior to the promotional rate expiration. The way I look at it is free time to pay a pricey project or toy off interest free.... and if there is a transfer fee, my cards are usually only 3% . Played right and those offers are outstanding 😜 IMO. You need to transfer balances to keep from paying interest? Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 2 minutes ago, Snake said: You need to transfer balances to keep from paying interest? No I choose too for certain things when I don't want to pay them off immediately and use the money for something else as I am doing now when finishing my basement. Now I have til next August to pay off in full while only making small monthly payments interest free. I will take advantage of some of those offers if it makes sense to do. They bank on people being unable to pay off after promotional period and I am sure there are enough of those people, otherwise they wouldn't be offering these. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 17 hours ago, steve from amherst said: Just got a credit card offer ( one of the 5 or so I get a week ) 0.00% untill next June Then 30.49 %. What a fucking bargain I've never seen that high. Highest I get sent is 26.99%. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 2 minutes ago, ViperGTS/Z1 said: No I choose too for certain things when I don't want to pay them off immediately and use the money for something else as I am doing now when finishing my basement. Now I have til next August to pay off in full while only making small monthly payments interest free. I will take advantage of some of those offers if it makes sense to do. They bank on people being unable to pay off after promotional period and I am sure there are enough of those people, otherwise they wouldn't be offering these. Amazon has this as well on certain items I've noticed. For someone who can't pay all at once it's a no brainer. Quote Link to comment Share on other sites More sharing options...
Mag6240 Posted October 7, 2023 Share Posted October 7, 2023 Gave up the credit card dance YEARS ago, so nice not having any of that. 1 Quote Link to comment Share on other sites More sharing options...
Gold Member 800renegaderider Posted October 7, 2023 Gold Member Share Posted October 7, 2023 5 minutes ago, Steve753 said: I've never seen that high. Highest I get sent is 26.99%. Crazy rate but supposedly there is a 36% card according to the google machine first premier bank Mastercard. High 20s seems to be the average from the junk mail I get. 1 Quote Link to comment Share on other sites More sharing options...
Snake Posted October 7, 2023 Share Posted October 7, 2023 5 minutes ago, Mag6240 said: Gave up the credit card dance YEARS ago, so nice not having any of that. This. If I'm finishing my basement i have the money for it. If I don't have the money I don't do the basement. Didn't spend one cent on my house renovation that I didn't have. But that's just me... 2 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 Just now, Snake said: This. If I'm finishing my basement i have the money for it. If I don't have the money I don't do the basement. Didn't spend one cent on my house renovation that I didn't have. But that's just me... I have the money for everything I use a credit card for. I come out ahead every time I use it. That's difficult for some to understand. 1 Quote Link to comment Share on other sites More sharing options...
Snake Posted October 7, 2023 Share Posted October 7, 2023 24 minutes ago, Steve753 said: I have the money for everything I use a credit card for. I come out ahead every time I use it. That's difficult for some to understand. When you get something for free you are the product. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 (edited) 35 minutes ago, Snake said: This. If I'm finishing my basement i have the money for it. If I don't have the money I don't do the basement. Didn't spend one cent on my house renovation that I didn't have. But that's just me... Oh I could pay cash if I wanted to. I choose not too....but that's just me....if I can extend it out under good terms...I'm going for it Edited October 7, 2023 by ViperGTS/Z1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 5 minutes ago, Snake said: When you get something for free you are the product. It's ok. It's difficult for some to understand. You've got lots of spare time to learn. 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Rigid1 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 40 minutes ago, Steve753 said: I have the money for everything I use a credit card for. I come out ahead every time I use it. That's difficult for some to understand. I do the same, I pay off my credit card every week but I still get rewards and discounts on fuel and food, 10% back on in store food purchases and I get .35-.50 cents off per gallon if I use the card, I get gas and grocery shop every Saturday and pay it off on Sunday.. I easily spend $800/mo on groceries and get 150 gallons of fuel a month so it's quite the savings..Use their rewards against them. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 Just now, Rigid1 said: I do the same, I pay off my credit card every week but I still get rewards and discounts on fuel and food, 10% back on in store food purchases and I get .35-.50 cents off per gallon if I use the card, I get gas and grocery shop every Saturday and pay it off on Sunday.. I easily spend $800/mo on groceries and get 150 gallons of fuel a month so it's quite the savings..Use their rewards against them. Exactly. I don't understand why some see this as a bad thing. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 Just opened my mail this morning....have another offer. But I'm good for now, they know I like these offers. Can have 0% til July or .99% til Jan 25. Great offers 👍. I have actually bought sleds in the past this way....rather than plunking down cash....key is paying off at promo end period. 1 Quote Link to comment Share on other sites More sharing options...
Kevin Posted October 7, 2023 Share Posted October 7, 2023 18 hours ago, steve from amherst said: Just got a credit card offer ( one of the 5 or so I get a week ) 0.00% untill next June Then 30.49 %. What a fucking bargain Ouch - but compared to those loan companies charging 600% on a few hundred dollar loan it probably is a bargain. Quote Link to comment Share on other sites More sharing options...
Anler Posted October 7, 2023 Share Posted October 7, 2023 I never carry a balance so I never pay the rate. Get the one with the best rewards. 2 Quote Link to comment Share on other sites More sharing options...
ArcticCrusher Posted October 7, 2023 Share Posted October 7, 2023 Just pay off the balance every month. Quote Link to comment Share on other sites More sharing options...
Snake Posted October 7, 2023 Share Posted October 7, 2023 1 hour ago, Rigid1 said: I do the same, I pay off my credit card every week but I still get rewards and discounts on fuel and food, 10% back on in store food purchases and I get .35-.50 cents off per gallon if I use the card, I get gas and grocery shop every Saturday and pay it off on Sunday.. I easily spend $800/mo on groceries and get 150 gallons of fuel a month so it's quite the savings..Use their rewards against them. 1 hour ago, Steve753 said: Exactly. I don't understand why some see this as a bad thing. 1 hour ago, Snake said: When you get something for free you are the product. Quote Link to comment Share on other sites More sharing options...
Snake Posted October 7, 2023 Share Posted October 7, 2023 How many here have an Alexa or similar device? Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 27 minutes ago, Snake said: How many here have an Alexa or similar device? Don't have it or anything like it. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted October 7, 2023 Platinum Contributing Member Share Posted October 7, 2023 28 minutes ago, Snake said: When you're just to dumb to understand. Quote Link to comment Share on other sites More sharing options...
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