tag:blogger.com,1999:blog-5728287180412980995.post4302101472248398220..comments2024-03-25T21:06:20.922-07:00Comments on BenB: SaturdayBenBhttp://www.blogger.com/profile/09010864129122224612noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-5728287180412980995.post-77712416402696718402010-02-15T15:48:51.071-07:002010-02-15T15:48:51.071-07:00The fees were known at the time of signing up for ...The fees were known at the time of signing up for them. Well, I didn't know about the $150 annual fee, that's a total load of bs right there. I used those cards to up my credit score - approximately 110 to 120 points worth - which got me into my house. It'll be over with soon enough. I'm just a bit miffed at that one particular card and all the junk they add onto it on a monthly basis. <br />Credit cards are great to use if they have perks to use them. On a normal card, if you pay the full balance due every month, you incur no interest, yet you get those points or whatever adding up for freebies. <br />I think credit cards are really only for the well-disciplined - otherwise, you get into trouble. I know a person that has 40k worth of junk on his cards. He pays a HUGE monthly bill. Crazy.BenBhttps://www.blogger.com/profile/09010864129122224612noreply@blogger.comtag:blogger.com,1999:blog-5728287180412980995.post-65957205219811427712010-02-14T00:22:31.986-07:002010-02-14T00:22:31.986-07:00I NEVER use my credit cards (visa, mastercard) exc...I NEVER use my credit cards (visa, mastercard) except for getting cash at an atm when visiting the states. I only use my debit card, which gets taken off my bank account nearly same day... so no build up of credit due (and NO fees!). Most bills I pay either online or they get automatically taken off my accounts (rent, insurance, utilities...all those monthly regulars) so I never have to worry about missing them. <br />I jut can't believe the fees you're paying!Dorriehttps://www.blogger.com/profile/04671755971605295202noreply@blogger.comtag:blogger.com,1999:blog-5728287180412980995.post-75544995758710888772010-02-13T17:13:16.571-07:002010-02-13T17:13:16.571-07:00I just checked my credit score - haven't done ...I just checked my credit score - haven't done it in - a long time really. It sucks, but it isn't near as bad as I thought it would be. Last time I checked, it was at 560 if I remember correctly - it's up to 610. 5 months showing of being behind on mortgage payments are the killer here. That and the Americredit - unresolved issue with the totalled pickup truck - that shows every month a no-payment - even though this thing was written off 5 years ago - are hurting it badly. Then there are low credit limits on my cards, which also affect it negatively. I'm not sure, actually, why my mortgage payment shows up until December that I have been behind on the payment - I have made that payment on time for 5 months running now. I am going to dispute several things on there. The Americredit dispute has been up there for a year, I am going to call them and demand they remove it - they have 30 days or 60 days or whatever it is to respond, if they don't the negative showing should be removed. <br />I am hoping to make 12 months on-time payments and then look into either refi or 15-year loan.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5728287180412980995.post-90161219265310977372010-02-13T13:48:02.033-07:002010-02-13T13:48:02.033-07:00It is a big step forward for you. I have somethi...It is a big step forward for you. I have something like 150,000 'points' which I have not yet tried to use. BG found some sealing tape at a dollar a foot.Finhttps://www.blogger.com/profile/10370656823200205937noreply@blogger.comtag:blogger.com,1999:blog-5728287180412980995.post-54618243852007692682010-02-13T13:32:36.259-07:002010-02-13T13:32:36.259-07:00Fin:
These old trailer "grow" leaks over...Fin:<br />These old trailer "grow" leaks over the years. The trailers are moved all over the place, the entire structure sways back and forth-eventually you have gaps and, of course-those gaps create huge holes for leaks. As far as I can see it, the only way to deal with it is to replace the internal structure - which is all wood and tightly screw the exterior skin - metal - into the wood, caulking it before screwing it in. After that caulking is dried/set, you go back and caulk a nice thin line over that. <br /><br />As for credit cards, you are exactly like my mother. She charges everything and then pays it down to zero-balance at the end of the month - while gaining whatever points. I am almost there. I just got a card from Chase bank that has airlin miles on it. It's a debit card but when used as a credit card - you gain the points. I pay nothing for that, so that's all good.BenBhttps://www.blogger.com/profile/09010864129122224612noreply@blogger.comtag:blogger.com,1999:blog-5728287180412980995.post-32742702041613601042010-02-13T11:34:13.234-07:002010-02-13T11:34:13.234-07:00When I read about your and others' experiences...When I read about your and others' experiences with credit cards, I realize how out of the mainstream I am. I have one credit card. I run it up to over a thousand dollars almost every month and pay it down to zero. <br /><br />I have never paid a dime in any kind of charges, and sometimes it is good to remember how lucky I am with it. The only interest I pay is tax deductible (as all credit card interest used to be).Finhttps://www.blogger.com/profile/10370656823200205937noreply@blogger.comtag:blogger.com,1999:blog-5728287180412980995.post-2820429476450503382010-02-13T11:30:56.689-07:002010-02-13T11:30:56.689-07:00Good work on reducing credit card debt. I will be...Good work on reducing credit card debt. I will be MOST interested in how the waterproofing goes. What will you buy, how is it applied, does it really do the job, etc.Finhttps://www.blogger.com/profile/10370656823200205937noreply@blogger.com