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Should I stop now? Look at my signature. Is there anything possibly out there that I can get that is better rewards wise?
NOOO!! you can never stop!!! there is and always will be be better cards!!! )) Soooo what are you waitng for! get applying for more
My stack of collection haha jk
http://www.fivecentnickel.com/2012/06/08/extreme-credit-card-collections/
If you don't have USAA's Rate Advantage card, it might be worth looking into. No rewards, but the lowest rate in the industry, by far.
I dunno I prefer 7.24% on my Navy card WITH rewards
@Elcid89 wrote:If you don't have USAA's Rate Advantage card, it might be worth looking into. No rewards, but the lowest rate in the industry, by far.
@distantarray wrote:I dunno I prefer 7.24% on my Navy card WITH rewards
@Elcid89 wrote:If you don't have USAA's Rate Advantage card, it might be worth looking into. No rewards, but the lowest rate in the industry, by far.
LOL, I have 5.75% on Rate Advantage.
it's all about the rewards ;p
besides if you pay off the balance in full you don't owe anything, and I don't plan on carrying a balance ever so why worry?
I have more than enough funds to max out all my cards 50k+ and pay them off a few times so not worried =) it's called emergency funds =D
btw does USAA have anything like NavCheck?
@distantarray wrote:it's all about the rewards ;p
besides if you pay off the balance in full you don't owe anything, and I don't plan on carrying a balance ever so why worry?
I have more than enough funds to max out all my cards 50k+ and pay them off a few times so not worried =) it's called emergency funds =D
btw does USAA have anything like NavCheck?
LOL, no, it's called rate premium spread. Why should I tie funds up in paying off this debt or that debt when I can earn more on them elsewhere?
I agree that emergency funds are important, and to that end I keep 6 months of projected expenses sitting in a money market account (crap yield, but easily accessible.) Anything beyond that is missed return.
So, in essence, when making a major purchase, I can either 1) pay it off immediately, and thereby lose any future use of the funds from a return generating standpoint or 2) pay it off over time and utilize the funds elsewhere to garner a return which is superior to the rate I'm paying on the carried debt.
One has the option of paying 0% for a purchase or earning a net return on the purchase. I'll take the net return every time.
Hays I thought this was for real until I squires my eyes later and found the j/k
@distantarray wrote:
My stack of collection haha jk
http://www.fivecentnickel.com/2012/06/08/extreme-credit-card-collections/