Whose got the trousers on?

[escapeUK]

Is that all? And you call yourself a contractor?

Im a simple man with simple tastes <evil laugh>

[EternalOptimist]

Im a simple man with simple tastes <evil laugh>

true. you are a simple man

[escapeUK]

ok. right...

put your brain care specialist on danger money. right now

You see, I quote the matrix and the repressed homosexual with no credit card rolls his eyes again. (Which in itself is very gay dont you think) Handbags hun....

[EternalOptimist]

You see, I quote the matrix and the repressed homosexual with no credit card rolls his eyes again. (Which in itself is very gay dont you think) Handbags hun....

well, inmho , not having a credit card is a good thing.
not having any debts is good

if you you dont rely on credit, you dont need to concern yourself about a credit rating
people may apply a credit rating, for their own purposes, but so what ?


please tell me, do you think the opposite ?

[escapeUK]

well, inmho , not having a credit card is a good thing.
not having any debts is good

if you you dont rely on credit, you dont need to concern yourself about a credit rating
people may apply a credit rating, for their own purposes, but so what ?


please tell me, do you think the opposite ?

I cant be bothered, I dont think you'll understand.

[mudskipper]

Credit cards are good for loyalty points.

I had a GM card. In its day I got:

£1200 off a new Corsa.
£1700 worth of holiday vouchers when hubby got an astra as his company car
£1400 worth of B&Q vouchers when hubby got next astra as his company car
£1000 off my next Corsa. (they'd capped it at this point)
£500 worth of vouchers when hubby got next astra (again they'd capped)
£1000 off my next Corsa after last got written off, which actually meant I spent less than the insurance paid out.

Card is now defunct, but got 1200 points left to spend before end of March if I do fancy a new car before then.

Have now switched to Tesco card - with my points I've paid for 2 OU courses, a couple of magazine subscriptions and various odds and sods (RHS membership, theme park tickets, restaurant bills). Not in the league of the GM card heyday, but still money for nothing - I would have been spending it anyway.

Tend to average 2-3K per month on the card - everything goes on there - the freebies soon add up.

[EternalOptimist]

I cant be bothered, I dont think you'll understand.

well come back tomorrow, seriously

i want to know if I might be going wrong somewhere, in my personal philosophy

[Gentile]

A bit of a naive position for someone your age. I have around 4 credit cards with about £30K credit on them, I never keep a balance on them as its cleared each month. Having credit and being in control of it is how you build up a credit rating.

Thanks for that, junior. But I've got no trouble getting credit, thanks. Are you sure you've not just fallen for credit card companies' marketing hype when they tell you that if you don't have one somehow that'll make it less likely for you to be able to get credit (despite the fact they're prepared to extend you some)? Because usually it's when people apply for too many credit cards that it's more likely to be a red flag.

[Gentile]

Ultimately most people will want a car loan, a mortgage, to rent a property.

I've had several car loans over the years (my present one is fully paid off), and I have a mortgage. I didn't need a credit card to get either. I needed a demonstrable history of stable income, and good track record of keeping up with the car loans and mortgages I'd taken out previously.

[Gentile]

Credit cards are good for loyalty points.

I had a GM card. In its day I got:

£1200 off a new Corsa.
£1700 worth of holiday vouchers when hubby got an astra as his company car
£1400 worth of B&Q vouchers when hubby got next astra as his company car
£1000 off my next Corsa. (they'd capped it at this point)
£500 worth of vouchers when hubby got next astra (again they'd capped)
£1000 off my next Corsa after last got written off, which actually meant I spent less than the insurance paid out.

Card is now defunct, but got 1200 points left to spend before end of March if I do fancy a new car before then.

Have now switched to Tesco card - with my points I've paid for 2 OU courses, a couple of magazine subscriptions and various odds and sods (RHS membership, theme park tickets, restaurant bills). Not in the league of the GM card heyday, but still money for nothing - I would have been spending it anyway.

Tend to average 2-3K per month on the card - everything goes on there - the freebies soon add up.

How do you build points up, ms? Is it by spending so much per month, whether or not you pay off the balance?