From: artis@nospamplease.net.invalid   
      
   "SAT W-7"  wrote in message   
   news:4644-4D94B511-1473@storefull-3252.bay.webtv.net...   
   >   
   > try the credit card thing , just send it ten $ more than your bill and   
   > start building up money they owe you and once you get to 40 or 50 $ a   
   > head it is nice at the end of the month when you do not have to send   
   > them anything if you do not want too ......I still try to send them   
   > something  just because i like staying a head of them if i can...   
   >   
      
   Dude, seriously -- doing this only hurts your credit rating.  Pay off the   
   amount as of your last closing date while still making purchases during your   
   current billing cycle.  This will give your creditors some meaningful   
   statistics to work with.   
      
   THINK (oops, sorry) about this...   
      
   If you were to keep your musclecar out of sight in the garage, you could not   
   reasonably expect people to be awestruck by it.  You have to drive it around   
   a little conspicuously, make people aware of it.  Keeping it hidding won't   
   give you positive reputation points one bit.   
      
   In the same exact way, you want to give your creditors some meaningful   
   indications that you can hold a positive balance and still be well within   
   your credit limit month by month.  THAT is how you "drive your balance   
   around" so to speak.  Creditors want to know that they can make some money   
   from your business with them while still showing that you are a good credit   
   risk.  A continuous negative-balance tells them *nothing* useful, and they   
   will not raise your rating.  You will be as invisible to them as the car   
   that you mothball in a closed garage.   
      
   Clear?   
      
   --- SoupGate-Win32 v1.05   
    * Origin: you cannot sedate... all the things you hate (1:229/2)