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PoindexterOglethorpe

(27,926 posts)
15. No. I do pay my credit card off every month.
Wed Jan 17, 2024, 01:51 AM
Jan 2024

I don't get credits, or miles, or anything else. I just have the peace of mind in knowing that the debt is paid.

My credit score at the moment is 813. It ranges a bit below and above that number.

I rarely fly. I'm a former airline employee, and remember quite well what travel was like back in the somewhat distant past. The rare times that I do fly these days, I always book a first class seat. For one thing, I don't want to be crammed into the horror they call coach these days. For another, I long ago learned that if I planned far enough in advance, I could get a first class seat at a price I was willing to pay. Granted, it was probably not the cheapest possible seat, but it was first class.

In recent years I prefer to take Amtrak, which I've done several times, from New Mexico to Kansas City. I book a sleeper car, which includes meals, a lot of privacy. Since I book a roomette, a very small room that supposedly is good for two people, although I'd hate to share it, and I try very hard to get a roomette on the lower level of the sleeping car, which gives me much more privacy than I'd have upstairs, I just love Amtrak. I've had the occasion to take it about four times recently, from Lamy, NM (a bit south of Santa Fe where I live) to Union Station in Kansas City. (Bonus question: Why are so many train stations in this country called Union Stations?




Okay, I'll tell you. It's because in the beginning of trains in this country, each and every train company had its own station. At some point, different train companies realized there was a better way to do this. So they got together, pooled their stations, which they now called "Union Stations". How cool is that?

Back to my recent Amtrak travels. On those several trips I took the train to Kansas City, where my sister picked me up and we drove to the Washington DC area to help our older brother and his wife clear out their hoarded home and get into assisted living. Sigh. It took three trips and well over a year to do this. I am now adamant that people need to understand they cannot stay in their homes forever, they must realize they need to get rid of stuff, move on, go into an independent/assisted living place.

Recommendations

2 members have recommended this reply (displayed in chronological order):

My wife and I just paid off all our cards AZSkiffyGeek Jan 2024 #1
I'd be happy to show you what I've learned. DJ Porkchop Jan 2024 #9
Sounds like too much work to me and seems like it could affect your credit? walkingman Jan 2024 #2
While I don't encourage the practice, it wouldn't hurt credit if it is payed off every month. 3Hotdogs Jan 2024 #3
In my case I hadn't thought to buy stuff to make sure we got cashback AZSkiffyGeek Jan 2024 #4
Exactly. Now, what are you getting back for your loyalty? DJ Porkchop Jan 2024 #11
It can be a way to save tons of money NoRethugFriends Jan 2024 #6
+1 DJ Porkchop Jan 2024 #12
I travel fequently for work.... Happy Hoosier Jan 2024 #23
That's not really a fallacy, though... just bad decision making from some. Happy Hoosier Jan 2024 #21
Manufactured Spending! NoRethugFriends Jan 2024 #25
Doesn't hurt your credit at all NoRethugFriends Jan 2024 #5
The goal is to get your utilization down to 1%. DJ Porkchop Jan 2024 #13
My credit has improved as I've gone through this. DJ Porkchop Jan 2024 #10
Apparently does NOT hurt credit.... in fact, the opposite in the long term. Happy Hoosier Jan 2024 #19
I play this game a little unc70 Jan 2024 #7
TPG is a great resource. DJ Porkchop Jan 2024 #14
Admirals Club included with Platinum Pro, but not Platinum unc70 Jan 2024 #17
My home airport only has a Delta lounge.... Happy Hoosier Jan 2024 #22
My credit score is 730+ DJ Porkchop Jan 2024 #8
I'm following a similar path.... Happy Hoosier Jan 2024 #24
No. I do pay my credit card off every month. PoindexterOglethorpe Jan 2024 #15
I would love if everyone booked Business or First Class. DJ Porkchop Jan 2024 #16
Thank you. PoindexterOglethorpe Jan 2024 #18
Interesting you posted this.... Happy Hoosier Jan 2024 #20
I like the offerings from Chase best. DJ Porkchop Jan 2024 #29
A few years ago my auto insurance went up and the insurance company doc03 Jan 2024 #26
The comedian Kevin Hart is always hawking Submariner Jan 2024 #27
Cash back cards have been around since the 80's Happy Hoosier Feb 2024 #32
While I do this too, in a small way, there has been criticism of this system in the past, kelly1mm Jan 2024 #28
I get the criticism. DJ Porkchop Jan 2024 #30
I know. Guy that does the points game on a low salary... Happy Hoosier Feb 2024 #31
I go for cash back cards only RoadRunner Feb 2024 #33
Latest Discussions»Culture Forums»Personal Finance and Investing»Anybody here into credit ...»Reply #15