OT I always pay my card in full each month plus the card I use gives me "cash" for every $ I spend like 1% to 5%. So I actually make money from the money I have temporally borrowed. I also still get great offers from other cards so now I prolly have about 60K in useable credit that I plan to maintain untill I get close to "taxes" and that other thing! When I get close enough I will take advantage of every penny!! Not worried at this point about credit ratings so the more cards they want to give me the better! Trick is to use each card occasionally and pay off in full with no interest.
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