This nonsense of calling someone a shill just because they say something you don't like has to fucking stop. This place is getting more and more like 4chan because of bullshit like that.
I'm neutral on closing credit accounts. It's all about the ratios. If closing it doesn't impact you, like if you carry very little month to month, then it's fine. Keeping a long history card is also a good idea. I have an old card I never use, but the yearly fee is small, and it's for emergencies.
I also don't do business with BoA. My father spent 5 years fighting with them, over a fuck up they made.
Who gives a fuck about credit? Use cash for everything. Credit is how this country has gotten to where it is. Stop being slaves!!! Stop giving the banks you hard earned cash. Save eat raman and save some more. Pay cash for your cars, pay cash for your houses.
I have never borrowed a dollar, never bought a car on credit. I own multiple homes now, and multiple vehicles. Its amazing how much money you have when you dont pay a single penny in interest. Credit is for retards who can't manage their money.
This nonsense of calling someone a shill just because they say something you don't like has to fucking stop. This place is getting more and more like 4chan because of bullshit like that.
I'm neutral on closing credit accounts. It's all about the ratios. If closing it doesn't impact you, like if you carry very little month to month, then it's fine. Keeping a long history card is also a good idea. I have an old card I never use, but the yearly fee is small, and it's for emergencies.
I also don't do business with BoA. My father spent 5 years fighting with them, over a fuck up they made.
Who gives a fuck about credit? Use cash for everything. Credit is how this country has gotten to where it is. Stop being slaves!!! Stop giving the banks you hard earned cash. Save eat raman and save some more. Pay cash for your cars, pay cash for your houses.
You don’t need to pay finance charges to utilize credit.
I have never borrowed a dollar, never bought a car on credit. I own multiple homes now, and multiple vehicles. Its amazing how much money you have when you dont pay a single penny in interest. Credit is for retards who can't manage their money.