I wonder if it has shoulders, or it’s a “C” as listed? Either way, I plan to adapt to it.
"Word". I think too many folks don't realize sometimes ya gotta adapt to the instrument in question a bit. Had to do it a
lot with my F65ce, after playing full-depth no-cutaway dreads for almost 25 years.
Nah, not a CC guy. Don’t even have one. Prepared to wait, but it won’t be easy!
I screwed up my own credit out of over-confidence in job security back in early '90's, swore to go without until about '04 when my long-term bank offered me a card with very good terms. At the time, a CC was a frequent security deposit need for things like car rentals and plane flights, so went head and took it.
Also built up a good payment history which has other ancillary advantages (like better finance rates on vehicle and potentially house purchases).
Over time started getting the 0% balance transfer and cash-back offers, here's the trick:
Never charge more than you can actually pay cash for, never carry a card around with you (if you've got a Visa/Mastercard logo'd debit card), and once you get the cash payout, apply it to the balance. Keep making payments until the 0% on new purchases period is about to expire, then pay it off.
By that time you'll likely have another balance transfer offer for something like 2% flat fee ($30.00 on $1500.00). But if they're gonna give you $200 after the "required activities", you're w-a-a-ay ahead of the game.
What they're hoping is that like a lot of folks you'll "splurge" or violate other conditions of the "deal" and start qualifying for interest charges.
So I only ever used a new card for stuff I'd be buying anyway, just to build up the purchase volume to qualify for the cash back.
Then back in the file cabinet it'd go.
Of course you need to meet certain criteria to qualify, and if you've got a CC logo'd debit card you don't
need a CC for things like security deposits anymore, unless the debit card's got a daily limit that's frequently inadequate.