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BFC goons tend to hate me for this but I always finance big important things on 0% APR cards and just pay off the balance in the long run before (usually a month or so just to be safe) the introductory rate expires. I've never once paid any interest and my credit score has never been negatively impacted by this. I always could just pay the cards down at any time but I'd rather just invest the money I have now and simply pay the card down every month. Even if the worst was to happen and my wife/I lost our jobs, didn't get unemployment, for some reason couldn't access our savings/investments my lifestyle is so cheap I could pay down the cards with min wage if I had to. So far I've financed my wedding/honeymoon expenses ($11,000) on a 12 month 0% card back in 2011. A couple hospital bills on a 12 month interest free program (in 2011 and 2013) and my home improvement expenses on a 18 month 0% card in 2014. Obviously terrible advice for goons that are paying down debt or have a history of making terrible financial decisions but if you have your poo poo together I don't see the problem. Sephiroth_IRA fucked around with this message at 20:11 on Nov 14, 2014 |
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Nov 14, 2014 19:47
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I just had to have two cards replaced due to credit card fraud.
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Dec 8, 2014 02:47
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