11-11-17 20:33 NANCY BACKUS wrote to JOE MACKEY about Re: Banks, money, PR, etc
Howdy! Nancy and Joe,

 NB> {at}MSGID: 
-snip-
 JM> I have a credit card with a $200 limit and only use it often enough
 JM> to keep the account active.  And I pay off the balance early so no
 JM> interest. If I go on a trip or something I just move whatever amount
 JM> I'll need and a little over from savings to checking with the unspent
 JM> balance moved back.

 NB> That's a safe and wise way to deal with money... And one can use credit
 NB> cards like cash... by paying them off in full when the bill comes...
 NB> That's especially useful when the card has some sort of rebate attached
 NB> to it.... :)  And in today's society, one needs some sort of credit in
 NB> order to produce a good credit report... paying cash only totally isn't
 NB> recorded...

When we shop we use Green Back Dollars instead of Plastic.
We write checks to pay the Utilities (Telephone, Water, Electric, Sewer).

Which means Two Strikes against us with Equifax, TransUnion and Experian
because (I think) they don't count those two ways in calculating a Credit
Rating for anyone.

They don't figure the Credit We have with the Utility Companies is the
same thing as Credit made through a Bank or Mortgage Company.

DUH.

... Punny Books: "Brane Surjery Maid Simpel" by Sarah Bellum
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