Quote:
Originally Posted by Vegas69
I disagree with Ramsey or you, credit does mean something. That is, until you don't need it anymore. Anybody that has done it the hardway has borrowed money to get to the point of paying cash for everything. The saying is, credit means nothing if you have cash.
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Agreed! This is the use it or lose it type of thing. There is a simple trick that gives you the best of both worlds...or at least I think so. I use a credit cards to pay for most everything, but I pay off the balance every month. One card gets things like the cell phone bill and cable tv charged to it and the other I use for gas and groceries type of things. Not going over the budget is the hard part. I check my credit report bi-monthly and my accounts always show a balance, yet I paid my accounts off even before the bill was due. Best part is...my credit score is rockin!
