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<blockquote data-quote="Cochese" data-source="post: 181140" data-attributes="member: 12249">I think people apply for whatever card, and get told they have been approved for however much and then go spend that much. That's the real mistake. I made two large (for me)&nbsp; purchases in the last couple of months that I wasn't expecting or planning. The zero percent offered by both stores came in very handy. While in my youth I made credit mistakes, they served me well with at least experience. My laptop and mattress both have 12 month interest periods but both will be paid in about 7 thanks to payments each paycheck. I couldn't have bought them otherwise, thanks to massive expenditures due to work that I won't be reimbursed for until September. If you are on top of the terms and can easily make the payments without putting yourself in a credit snowball, then you always want to make your money work smarter. Making someone else pay the interest while you keep/improve your credit score is a smart play. Sent from my HTC One using Tapatalk 2</blockquote>

[QUOTE="Cochese, post: 181140, member: 12249"] I think people apply for whatever card, and get told they have been approved for however much and then go spend that much. That's the real mistake. I made two large (for me) purchases in the last couple of months that I wasn't expecting or planning. The zero percent offered by both stores came in very handy. While in my youth I made credit mistakes, they served me well with at least experience. My laptop and mattress both have 12 month interest periods but both will be paid in about 7 thanks to payments each paycheck. I couldn't have bought them otherwise, thanks to massive expenditures due to work that I won't be reimbursed for until September. If you are on top of the terms and can easily make the payments without putting yourself in a credit snowball, then you always want to make your money work smarter. Making someone else pay the interest while you keep/improve your credit score is a smart play. Sent from my HTC One using Tapatalk 2 [/QUOTE]

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