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Posted on 12/15/21 at 8:37 am to Skin
quote:
Opening a new CC will slightly ding your credit score. Subsequently closing the CC will also lower your score some as well.
This is why I wouldn’t do it. My credit score is in the excellent range now, so the last thing I need is to get dinged just saving a few bucks on an appliance.
Posted on 12/15/21 at 9:24 am to Froman
quote:
This is why I wouldn’t do it. My credit score is in the excellent range now, so the last thing I need is to get dinged just saving a few bucks on an appliance.
Earlier this year I bought about $1500 of flooring from Home Depot. Opened up a card and got $150 off. 6 months interest free financing. Paid it off in 6 equal payments.
My credit score went down 2 points when I opened the card. It's now 5 points higher than it was right before I opened the card.
Posted on 12/15/21 at 9:28 am to Shamoan
quote:
Their interest rate was 29.87%. Paying that shite off tomorrow. Some people fall for that shite. Seems evil.
Meanwhile the banks are borrowing money form each other at 0.08 percent.
Citibank (the HD card provider) makes a killing even if just a few people carry a balance.
Posted on 12/15/21 at 9:29 am to Shamoan
Home Depot will let you do interest free financing depending on the price. I bought a washer and leaf blower a few months ago and I still have plenty of runway for interest free payments
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