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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You get 5% off every purchase[/quote] At what, 29% interest? That does not make sense unless you plan to never carry a balance.[/quote] Let me correct myself. The interest rate is 22.90%. Which is a high price to pay just to save 5%.[/quote] Ummm...I haven't carried a balance on a CC since I graduated from college and got my first job some 26 years ago. Why is it so hard to imagine that you don't buy anything unless you can pay it off? OP--when your debt load changes drastically (like taking on a mortgage), they will often deny new credit until they have at least a couple of months of credit history of you paying your bills with the new load. If you go from one mortgage to another, this doesn't always apply, but if you are a first time homeowner, this often applies unless you have a relatively low mortgage monthly payment.[/quote]
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