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Peaches · 01-16-2008, 03:41 PM

"Credit free" is no longer something good, IMO. Businesses are checking credit reports for prospective employers, insurance companies are checking reports if you want a policy, etc.

Once I got out of the hell that resulted from my marriage, I got a secured credit card and some gas cards. Also had a couple of car loans where I had a co-signer. After you pay those "starter" credits for a while, you get more and more offers.

I've "made" a lot of money on zero interest loans - I had over $6K in dental work that was 0% for a year and most of the furniture I bought was 12-24 months 0%. JUST MAKE SURE TO PAY IT OFF A MONTH BEFORE IT'S DUE and pay it with some sort of proof of payment.

I talked to a head honcho for Room To Go and he said over 60% of their zero interest folks don't pay on time, reverting to absurd amounts of interest. Dumb, dumb, dumb.....

01-16-2008, 03:41 PM
Peaches Old broad Join Date: Oct 2002 Location: Away Posts: 13,933	"Credit free" is no longer something good, IMO. Businesses are checking credit reports for prospective employers, insurance companies are checking reports if you want a policy, etc. Once I got out of the hell that resulted from my marriage, I got a secured credit card and some gas cards. Also had a couple of car loans where I had a co-signer. After you pay those "starter" credits for a while, you get more and more offers. I've "made" a lot of money on zero interest loans - I had over $6K in dental work that was 0% for a year and most of the furniture I bought was 12-24 months 0%. JUST MAKE SURE TO PAY IT OFF A MONTH BEFORE IT'S DUE and pay it with some sort of proof of payment. I talked to a head honcho for Room To Go and he said over 60% of their zero interest folks don't pay on time, reverting to absurd amounts of interest. Dumb, dumb, dumb.....