Does a person with a perfect credit rating exist??

[RR Fan Dan]

I could give a flying duck (misspelling) about a few bucks cash back or points.

It’s not just a few bucks. If you put all your yearly expenses on the right credit cards you are talking more like thousands of bucks. Why not make money off the banks instead of the banks making money off of you. It’s not hard to make the switch. Plus it’s rather convenient for paying bills. Set up everything on auto pay and pay the credit card bill each month and watch your points add up. I’m constantly give my wife and daughter $100 gas gift cards that cash in for points. That’s mostly what I get with my points is BP gas station gift cards. But you can get gift cards for everything you can possibly imagine. Restaurants, grocery stores, gas stations, retail stores, it’s endless. If you are responsible with your credit and pay your cards every month why wouldn’t you take the money from the bank. It’s like playing monopoly and drawing the bank error in your favor card.

 

[sawdoff]

Exactly. Why not make a couple thousands per year for spending what you would anyway.

 

[33 IMP]

Exactly. Why not make a couple thousands per year for spending what you would anyway.

It’s not just a few bucks. If you put all your yearly expenses on the right credit cards you are talking more like thousands of bucks. Why not make money off the banks instead of the banks making money off of you. It’s not hard to make the switch. Plus it’s rather convenient for paying bills. Set up everything on auto pay and pay the credit card bill each month and watch your points add up. I’m constantly give my wife and daughter $100 gas gift cards that cash in for points. That’s mostly what I get with my points is BP gas station gift cards. But you can get gift cards for everything you can possibly imagine. Restaurants, grocery stores, gas stations, retail stores, it’s endless. If you are responsible with your credit and pay your cards every month why wouldn’t you take the money from the bank. It’s like playing monopoly and drawing the bank error in your favor card.

Exactly. Why not make a couple thousands per year for spending what you would anyway.

If I did all that my cash back and points would be in the tens...... of dollars.
It's not worth my effort.
I have one card that pays no points, and no cash back, and I'm fine with that. .

 

[RR Fan Dan]

If I did all that my cash back and points would be in the tens...... of dollars.
It's not worth my effort.

I’d like to have your mandatory bills. You must pay next to nothing on insurance electricity and property taxes. Let alone groceries.

 

[33 IMP]

I’d like to have your mandatory bills. You must pay next to nothing on insurance electricity and property taxes. Let alone groceries.

Yep.

 

[426s martin]

All this time mine has been 100 and I thought it was perfect!!

 

[t.flatt]

I think mine was up at 835. I paid off my bank loan and it immediately dropped to 700 something.

 

[Hey-O]

Must have an account at the Give and Take Bank!

I still deposit on a none stop basis. Free banking, been banking there for over 47 years..................

 

[Hey-O]

I have never checked my score either. Don't know how, don't care. I HATE using a credit card, and pay it off when I do use it within a couple days, at the atm.
I could give a flying duck (misspelling) about a few bucks cash back or points.
I had a car loan once, about 35 years ago.

I wrote a check yesterday for my personal property taxes, I hate checks. While I carry cash, cash means little to me. I don't know how to use an ATM, never used one. When I leave the house, I never leave without a phone or my wallet. Between the two, I can buy a house. I pay as much in life as I can with a credit card. At the end of the month the card gets paid by itself, automatic withdraw. Years ago I put college tuition on my credit card. I get between 7 to 12 hundred bucks back a year, every year, just for using it, now it's a game! I just keep one account full for all my monthly business dealings. That way I have a credit card to back any problems with a transaction. Cash and banks are not your friends when it comes to retrieving a transaction, in most cases. Just my way of doing business. You have to keep a goodly amount in that account, not a problem, I don't buy, if I can't pay for it.

 

[Dave6T4]

ATM's suspiciously look like Glory Holes.

How do you know what a Glory Hole looks like? What side of the wall are you on? LOL.

 

[Dave6T4]

I run about 30k a month on my card. Auto pay 2days before due. 810 is my average

A friend of mine had a wife like that, Scott. LOL

 

[6PKRTSE]

I am sure mine is not very high as I have no credit & no credit cards. I have never bothered to look at my score nor have I ever cared.
Everything I own has always been paid for except my house.

 

[68-500]

I wish the bastards didn’t even have my name or ss#. I never asked for a credit score. Its just something the banks and government have made up to keep us under thumb. F’ the machine!

 

[WileE]

I don’t even know how to check my score.

and I don't know what it is. I carry zero balance, use occasionally, and pay in full. I guess I'm good. So, I have a perfect credit rating... perfect for me.

 

[68BabyBlue]

I wrote a check yesterday for my personal property taxes, I hate checks. While I carry cash, cash means little to me. I don't know how to use an ATM, never used one. When I leave the house, I never leave without a phone or my wallet. Between the two, I can buy a house. I pay as much in life as I can with a credit card. At the end of the month the card gets paid by itself, automatic withdraw. Years ago I put college tuition on my credit card. I get between 7 to 12 hundred bucks back a year, every year, just for using it, now it's a game! I just keep one account full for all my monthly business dealings. That way I have a credit card to back any problems with a transaction. Cash and banks are not your friends when it comes to retrieving a transaction, in most cases. Just my way of doing business. You have to keep a goodly amount in that account, not a problem, I don't buy, if I can't pay for it.

Running a tractor trailer generates significant cash flow in and out, and a few crumbs are left if good management prevails. When I started driving in the 70s, most of the old timers carried large amounts of cash. Didn't seem like a good idea to me, no recourse if you got rolled. I got a Visa card with a $1300 credit limit when I bought my first truck. Soon had the limit up to $10,000 when I got a history of paying the $500 monthly charges in full a day after the bill arrived.

I co-signed a refinancing of a student loan for my son-in- law back in 2015, and when we financed a car for my wife, I found my score had dropped to 780. Well worth it. When I blew the engine in the Peterbilt four years later, the CAT dealer ran my score, back over 800, and I got 12 months to pay off the overhaul at 0% interest, paid it in full while my capital reserves were still at work earning money. The system rewards prompt payments of balances well below credit limits. I balked at paying for groceries with a credit card, having done so in a short rough patch decades ago. Different deal today, I like getting 3% cash back for buying a necessity.

 

[Dennis H]

This explains the Logic. There is none.

 

[kiwigtx]

The Banks are only interested in two types of people it seems....

1. Those with more money than you could ever spend,

2. The people with so much debt that they will never be able to pay it back.

The Banks are either rinsing you or waiting for you to be strung up.

 

[33 IMP]

Banks are interested in people that carry a large credit card balance, and make monthly payments way less than their balance, hopefully a couple days late.

IF I ever buy a crate motor for my car, I might try to get a card with cash back first. Maybe.

 

[Hey-O]

Running a tractor trailer generates significant cash flow in and out, and a few crumbs are left if good management prevails. When I started driving in the 70s, most of the old timers carried large amounts of cash. Didn't seem like a good idea to me, no recourse if you got rolled. I got a Visa card with a $1300 credit limit when I bought my first truck. Soon had the limit up to $10,000 when I got a history of paying the $500 monthly charges in full a day after the bill arrived.

I co-signed a refinancing of a student loan for my son-in- law back in 2015, and when we financed a car for my wife, I found my score had dropped to 780. Well worth it. When I blew the engine in the Peterbilt four years later, the CAT dealer ran my score, back over 800, and I got 12 months to pay off the overhaul at 0% interest, paid it in full while my capital reserves were still at work earning money. The system rewards prompt payments of balances well below credit limits. I balked at paying for groceries with a credit card, having done so in a short rough patch decades ago. Different deal today, I like getting 3% cash back for buying a necessity.

While I no longer think about making money, I never leave free money on the table.
You did good!! The cost for truckers is stupid high. An engine can be a death blow.