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It seems that you can maintain a good credit score. I must assume. However, you can hardly keep up with a smart debate. I am done with you as I am done with all the credit BS. Good riddance.

Do me a favor and yourself as well. Write 5 REASONS about the wonders of having a great credit and how it can be achieved

Let me know when you take FIN 101. Maybe we would be able to talk in the same language. You are not considering that during these almost 3 years I have saved about 15K in monthly CC payments. More than enough to pay for the car but I had to save for the wedding and honey moon.

I was paying them before they increase my % from 10% to 29.99%. My monthly payments almost quadrupled. I was paying on 12K what I would pay in a 100K loan. F that.:mad:

Excellent but to get that 1% you have to pay a lot more than 9% on your other debts. They get their return no matter what.

Yeah during that time this company doubled. I still think we are going to be over capacity for quite sometime. But we avoided debt as much as we could. We still played the game the old way. CASH CASH CASH. We only had some bonds that we issued to pay for a block plant which is running just...

When I take the present value of my debt and the present value of what I have saved in monthly cash flow............I win, they win too because they never lose. Also while I have a messy credit it prevents me from getting new debt. I can still continue to go to grad school to get my MSA. I saved...

I have a MBA man. But i would never work for any type of financial institution. I rather work for a casino. Instead I work for a concrete company. Business is not good now but I love to see things being built. :)

I did try to pay it off. Some cards with small balances of 500 & 1000 I paid off. But after Chase got WM I owed them 12K. Chase represented 80 % of my CC debt. I really did not have 12 K to pay off. I tried to negotiate with them, after 3 months of not paying I got back to them to lower that...

In what language do I have to explain that I dont need nor I want credit. It is only useful to get me into debt. Instead I make enough $$$ I live within my means. Keep playing along. I really dont care what you do.

It does not bother me any personal attack you might say. However, I feel so sorry for you. You are a victim of the system. You seriously believe that crap they tell you. AS I said before, DEVIDE AND CONQUER. Btw, Banks are here to make money on anything and everything. I am here to make $$$ for...

I partially agree with you. Can you define "free"?? Also are we completely unfree??? I believe (personally) that the biggest threats to our society are those forces which interfere negatively with the market process. Such as the Fed. However, I believe government should provide for more...

Indeed wise and insightful.

You bet I am. Thanks for taking your time to debate.

This is serious talk my friend. I was never a commie. Also what do you mean about entitlement?? Maybe I am a loser, maybe not. I only live to my family expectations and they are no commies nor they feel any sense of entitlement to anything.

I find some inconsistency here my friend. What side are you on??? Or do you have mixed feelings??? I smell hypocrisy.

That's what happens when you try to print your way out of a recession. Massive $$$ = devaluation= things get worse.

What the hell have you been smoking??? IF you were so driven to really make a change in yourself you would not have to get a job at 8.50. Why dont you take all those drastic measures, get a degree and find a real job. Maybe you wont even need to have debt at all. Never In my life did I...

Even worse is who is behind "Government."

In real terms SAVINGS does not exist. It is just future consumption. All savings is done based on possible future expenditures. Our present financial system sees savings as an evil. One of its main foundations is the fallacy that past depressions and recessions is because people SAVED TOO...