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SVTPerformance's Chain of Restaurants
Road Side Pub
FICO Credit Scores
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<blockquote data-quote="quad" data-source="post: 16663445" data-attributes="member: 17952"><p>I agree. You can have both. If you are going to have expenses you might as well earn points on them. A good credit can have perks. For example I received a Capital One offer with a $500 cash reward if I spent $3,000 in the first 3 months. Well I was going to make an equipment purchase anyway so I took that offer and received $500. So now my $3000 purchase became $2500. I also get 5% at restaurants and coffee shops with the Capital One. The first yearly fee was waived but now I do pay a fee to maintain the Capital One. However my rewards exceed that.</p><p></p><p>I've also used a few $500 Home Depot gift cards obtained via American Express Rewards. I try to charge everything on credit cards. Things like electrical / gas bill, phone / internet / tv bill, insurance renewal etc. I get points for all of those recurring transactions. I just make sure that I pay off the card every month so there are no finance charges.</p></blockquote><p></p>
[QUOTE="quad, post: 16663445, member: 17952"] I agree. You can have both. If you are going to have expenses you might as well earn points on them. A good credit can have perks. For example I received a Capital One offer with a $500 cash reward if I spent $3,000 in the first 3 months. Well I was going to make an equipment purchase anyway so I took that offer and received $500. So now my $3000 purchase became $2500. I also get 5% at restaurants and coffee shops with the Capital One. The first yearly fee was waived but now I do pay a fee to maintain the Capital One. However my rewards exceed that. I've also used a few $500 Home Depot gift cards obtained via American Express Rewards. I try to charge everything on credit cards. Things like electrical / gas bill, phone / internet / tv bill, insurance renewal etc. I get points for all of those recurring transactions. I just make sure that I pay off the card every month so there are no finance charges. [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
FICO Credit Scores
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