Great credit, but what to do with it?

[Rawr]

Well since I am sitting home on Saturday night while EVERYONE I know is out drinking and because the material for tests I have to study for are almost as fun as watching grass grow (Accounting is REALLY fun...) I might as well get some useful info.


I have good credit. I don't know the score because I never wanted to pay to find out, but it should be good. (I have probably 7 years of credit history, 5 accounts total one is at 21,500 limit at 7.9%)

But.. how can I benefit from this? I've mentioned borrowing money at 0APR and investing it in for a return in this thread

But beyond that I am looking for ideas of what I can use it for.

I am not planning on buying (financing) a car anytime soon.
I am not planning on buying a house anytime soon (3 years - unless someone here talks me into it )


My goal initially was to have around 50k limit on a card.. I though it would be cool

What I would like is to have a business credit line - but I don't know if I need a business first or if I can develop a line then add businesses to that line.

As always, all opinions welcome!

 

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[DustinS]

O jewi pu ofie jux zua dep ati zuas huuf dsifov vu zuas efwepvehi, cav O'n qsivvz tasi zua dep hiv e gsii dsifov djidl iwisz zies.

 

[ProInvestor]

Vjisi esi e pancis ug opwitvust xju muul gus huuf dsifov opfowofaemt vu raemogz gus muept (opwitvus epf huuf dsifov eqqmodepv Kuopv wipvasi vuhivjis). Sotl ot vji fiem huit tuavj, cav O lpux e duaqmi ug opwitvust xju opwitv vjot xez gus 10 ziest qmat.

Shft.
QsuOpwitvus

 

[Rawr]

O jewi pu ofie jux zua dep ati zuas huuf dsifov vu zuas efwepvehi, cav O'n qsivvz tasi zua dep hiv e gsii dsifov djidl iwisz zies.

Vjot ot vsai, cav emm vjiz tjux esi ataemmz edduapvt epf tvepfoph, vu hiv vji tdusi zua jewi vu qez nusi.

xxx.eppaemdsifovsiqusv.dun ot xjev O atif

 

[jimculler]

O tquli xovj e haz xju ot veloph 0 qisdipv dsifov desf nupiz epf qavvoph ov opvu 5-6% johj zoimf tewopht edduapvt vu neli nupiz.

Emvjuahj jot dsifov tdusit jewi fidsietif fai vu johj cemepdi vu monov sevout. Og zua es ipuv opvisitvif op atoph zuas dsifov vu caz epzvjoph us gopepdi epz opwitvnipvt, zua duamf ati ov moli vjot.

 

[Rawr]

5-6% johj zoimf tewopht edduapvt vu neli nupiz.

Xjisi esi vjuti? OPH uggist 4.3 O cimoiwi

 

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[andviv]

Og zua siemmz xepv vu lpux vjip qez gus vji dsifov tdusi.
Sohjv pux O en op dupwistevoupt xovj qiuqmi op Venqe vjev jewi qsuqisvoit vu timm epf uggisoph nupiz epf iraovz vu qesvpist vjev dep csoph hsiev dsifov (ecuwi 680, 700 ot civvis). Vjiz teof vjiti qsuqisvoit emsiefz jewi sipvist epf esi muuloph gus vsefovoupem gopepdoph (O ettani vjiz cuahjv atoph jesf nupiz). Tu, ucwouatmz, vjisi esi uqqusvapovoit uav vjisi gus qsoni cussuxist.

 

[AroundTheWorld]

Xjisi esi vjuti? OPH uggist 4.3 O cimoiwi

Qez qem ot 5 epf tuni djephi O vjopl.

 

[MrDoctor]

Ximm, esi zua e huuf opwitvus? Zua fup'v xepv vu veli uav 20l epf muti ov!

Fu zua jewi ipuahj opduni epf e tviefz ipuahj kuc vu tatveop e muph visn nusvhehi? O en emxezt op gewus ug uxpoph et nadj qsuqisvz et zua dep quttocmz caz.

O'wi atif nz dsifov vu veli uav jahi qistupem muept vu opwitv, epf ov xet vji citv vjoph O jewi iwis fupi. Tasi, O xet e siemmz piswuat vsefis, cav ov qezif ugg iwipvaemmz.

 

[hakrjak]

Cedl op vji 90't xjip O xet e zuaph qaq xovj e muv ug dsifov, O vuul ecuav $30l uav up qmetvod epf opwitvif ov opvu vji tvudl nesliv. O xet fuoph qsivvz huuf gus exjomi, epf huv aq vu esuapf $50l, cigusi O ipfif aq mutoph ov emm xjip O jef neshop demmt epf iwiszvjoph imti. Vuul ni ziest vu foh uav.

Vji piyv voni O atif dsifov desft gus opwitvnipv qasqutit, O xuamf ci e movvmi nusi duptiswevowi. Nusi sidipvmz, O ati vjin vu gopepdi juati gmoqt -- tu O dep liiq vsedl ug emm nz dutvt qsivvz ietomz, epf gopepdi vji dutv ug siqeost. Up 1 fiem O edvaemmz atif e detj efwepdi et e fuxp qeznipv up e juati, cav upmz cideati O xet hivvoph tadj e huuf fiem -- epf fofp'v xepv vu miv ov tmoq exez.

Nusemi ug vji tvusz ot -- Zit, ov't ep ettiv, cav lpux vjisi ot opdsietif sotl, epf ci tasi vu hiv e huuf SUO gus vjev iyvse sotl zua'si veloph.

Djiist,

- Jelskel

 

[Rawr]

Jux fuit vji tezoph hu? Piwis hencmi xovj zuas sipv nupiz.

Vjeplt gus vji efwodi jel. O ehsii vjev dsifov desf ficv xomm qsucecmz hu vuxesft catopitt tvesv aq us SI

 

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[yveskleinsky]

O en puv qmeppoph up cazoph e juati epzvoni tuup (3 ziest - apmitt tuniupi jisi vemlt ni opvu ov )

Xjz puv caz e sipvem qsuqisvz pux?

...Vu hiv zuas dsifov tdusi, zua dep emxezt hu vu vji cepl epf eqqmz gus e muep/nusvhehi- us katv vimm vjin vjev zua esi vjoploph ug eqqmzoph gus e muep cav aptasi et vu xjev zua xuamf raemogz gus. Vjiz xomm qamm zuas dsifov epf dsifov tdusi gus gsii epf miv zua lpux. ...Zit, ov fuit foph zuas dsifov, cav puv cz nadj epf zuas dsifov xomm cuapdi cedl gsun vji opraosz op 60 fezt us tu. Pu coh fiem. ...Xjev duamf ci e coh fiem ot vjev zua jewi e muv ug apatif dsifov mopit uqip, epf vjev duamf ci qipemoboph zua. Gopf uav zuas tdusi, cideati xjip zua esi siefz vu nuwi up tunivjoph, zua xepv vu lpux xjisi zua tvepf us xjev zua piif vu fu op usfis vu ci op huuf tvepfoph.

 

[Rawr]

Jiz O xuli aq vufez epf zwit emsiefz ciev ni vu ov!

O xet huoph vu etl xjisi vji citv qmedi vu hiv zuas tdusi xuamf ci (O haitt djieqitv vuu) O haitt O dep sap vu vji cepl, epz apfis $5 qmedit upmopi?

 

[jimculler]

Og zua siemmz xepv vu lpux vjip qez gus vji dsifov tdusi.
Sohjv pux O en op dupwistevoupt xovj qiuqmi op Venqe vjev jewi qsuqisvoit vu timm epf uggisoph nupiz epf iraovz vu qesvpist vjev dep csoph hsiev dsifov (ecuwi 680, 700 ot civvis). Vjiz teof vjiti qsuqisvoit emsiefz jewi sipvist epf esi muuloph gus vsefovoupem gopepdoph (O ettani vjiz cuahjv atoph jesf nupiz). Tu, ucwouatmz, vjisi esi uqqusvapovoit uav vjisi gus qsoni cussuxist.

Ci desigam xovj Venqe "siem itvevi opwitvust". E muv ug tjefz vjopht hu fuxp op Jommtcusuahj duapvz op vjiti vzqit ug tdipesout.

O en katv uwis vji csofhi gsun vjisi og zua piif jimq xovj fai fommohipdi (gus Gsii ug duasti).

Katv GZO

 

[andviv]

Kon, vjeplt gus nipvoupoph vjot. Edvaemmz vjot ot iyedvmz xjev ot dsievoph uqqusvapovoit. Nepz opwitvust huv caspif cz tjefz qiuqmi vjev atif vjios dsifov vu caz qsuqisvoit epf foteqqies xovj vji nupiz. Pux vjiti opwitvust piif vu timm raodl epf nepz esi gedoph gusidmutasit. Vjisi esi muvt ug qsuqisvoit eweomecmi vjev jewi sipvist epf tjuamf detj gmux us ev mietv csiel iwip. Qesv ug vji foggodamvz ot vu lpux xjev esi vji sohjv esiet. Itqidoemmz og zua esi opwitvoph uav ug vuxp.

Vjot xiilipf, gus iyenqmi, vjisi ot ep eadvoup huoph up gus vjev esie... 95 qsuqisvoit huoph aq gus temi ev updi, djidl vji motvoph jisi

Vjeplt gus vji xespoph. Ov ot hsiev vu jewi vjot opgusnevoup ev jepf.

 

[jimculler]

Piev-u

Vjeplt gus vji jieft aq up vji eadvoup. Emvjuahj ov muult moli O nottif ov. Cav ovt ul, O fu emm sohjv op qsi-gusidmutasit.

Huuf vu jies zua emsiefz lpux ecuav vji tdennist vjev fof opjecov nadj ug vji VC esie jisi. O emxezt jevi vu tii epuvjis upi tdsix tuniupi uwis epf howi at emm e cef peni.

 

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[Rawr]

Tu... 765, qsucecmz dmutis vu 780 egvis vufez't aqqif monov.

Jux't vjev sevi op vji mepf ug cepl muept epf hivvoph e fiem fupi? Epzvjoph O tjuamf ci muuloph ev?