ARAGON 27: Pay your bill at the end of the month, that's it.
I have a visa credit card since 10 years and I have never paid any interest fees.
If you don't have the money, don't buy it.
This is a good rule, keep in mind 1. I take trips and am sometimes 2.obliged to make large purchases,both
of which get paid off maximum within 30-60 days usually.
On the bad side which I should semi blame myself #1: I acquired a 6000$ balance on my Visa,
which I carried for about 2-3 months paying it off (by the end of this July with all will be paid
off then I can start wheeling and dealing with the bank saying look I have zero balance
I can cut you off any time, and I will take my accounts too.
#2: An accountant pays off my visa every 60 days, so sometimes I let the payment lapse,
but they have taken advantage of that (shame on me-no more I have or will very soon re zero
my card and take the effort to make min payments so they cannot blemish my credit history at all.
Again shame on me that has all come to an end, no more dropping the ball for even one second.
I still think though even if I paid off all cards on time diligently which I do most of the time, they
would still try to screw me.I have been doing some shopping around in anticipation of re zeroing my
card and going hey this guy has this and I notice almost everyone is charging 19.7%-20%.
After this month I am going on a credit card strike, I will only use it for gas/online/rent a car
(due to necessity, and convenience).