Finally!!!!

[01vnms4v]

but dont the charges collect interest daily?

not if you pay it off every month, if you carry over a balance then interest is charged.

[podman152]

for the first time since i was 18 i will be free from credit card bebt, i am $100 dollars away from not having ANY cc's, 2 years ago i was damn near at 20k worth of debt

Dave Ramsey fan? We're about to start the total money makeover. Won't be easy, but well worth it.

[bonnie&clyde]

naw, i just got tired of my whole check going to bills, i got lucky and got a great paying job where i was able to become debt free. now if i could only start saving i would be good

[racrguy]

naw, i just got tired of my whole check going to bills, i got lucky and got a great paying job where i was able to become debt free. now if i could only start saving i would be good

Take all that cc payment monies and put it in a savings account, can't spend what you don't see.

[SS Junk]

yeah im gonna try to just buy everything cash, im still gonna keep the CC's open so i have a good credit to debt ratio, trying to buy a house here soon

If you want a good credit record, use at least one of your cards to keep it/them active and to have a record of spending within your limits and paying off on time at the end of each month. Discipline yourself, son.

[Cooter]

naw, i just got tired of my whole check going to bills, i got lucky and got a great paying job where i was able to become debt free. now if i could only start saving i would be good

you already "saved" $20k in 2yrs... just start saving. it gets addictive

[SSMAN]

good job!

[R1psycho]

Congrats. Its nice not to throw money away

[Lone Sailor]

If you want a good credit record, use at least one of your cards to keep it/them active and to have a record of spending within your limits and paying off on time at the end of each month. Discipline yourself, son.

There is no need in using credit cards every month to "keep them, or your credit history, active", as if your credit card will magically become inactive. As long as you have not cancelled the card and there is a zero balance the credit card company will send the standard positive report "pays as agreed or paying as agreed" to the bureaus . You do not need to use your credit every month. He's already got history since he racked up 20k worth debt that is now only 100 short of being paid in full.

[hunt4m3x]

This is great. The CC companies call you a "freeloader". They raised my interest rate and lowered my limit because I was doing this. I promptly canceled the Bank of America Visa.

I have a Chase Rewards Visa and been doing this for 4+ years. I have actually gotten my limit raised three times and have only paid 2$ in interest in the past 3 years.

Maybe shitty ass Bank of America policies.

[Roscoe]

I have a Chase Rewards Visa and been doing this for 4+ years. I have actually gotten my limit raised three times and have only paid 2$ in interest in the past 3 years.

Maybe shitty ass Bank of America policies.

I do this with Discover as well (received $1500 cash back last year) and they have increased my limit as well.

[slow99]

Enjoy your debt lifestyle, plastic slaves.

[Roscoe]

Enjoy your debt lifestyle, plastic slaves.

[Chas_svo]

CongraDs!

Interest doesn't start until the month after the statement is issued.

Depends on the card/plan. Some start the day after the charge.

[FATHERFORD]

I care credit card debt all the time. As long as I don't pay interest and receive some type of awards...

Credit Cards are tools, learn to use them.