We got a huge discount paying cash for the new hvac last month but that’s the only time I’ve been offered a discount on cash v card.
Always, pay that card off every month. Always.
I wish more businesses gave discounts for cash but I understand why. Most customers don’t understand credit cards at all.
if you do that, your credit rating stays in the tank. Make your credit cards work for you. 1) Every once in a while, carry an item for 6 months' worth of payments. or 2) take the 'we'll give you this much cash advance!' and put it right into a savings account which you will use to 3) Pay on time. Watch your credit rating go up. And when your credit rating goes up, your credit limit goes up. When your credit rating and limit goes up, other lenders are made more comfortable loaning on really big ticket items, like cars and equity lines, at more favorable interest rates.
Now, was a better credit rating and a higher credit limit worth 6 months of interest? youbetcha