Re: How to build credit
i have seen a small amount of research put into this 'app-o-rama' thing and it seems to not hurt your credit in the medium to long term. if you plan on buying a house soon, you should probably not do it as even a few credit points can be expensive.
the 'self respect' argument is beyond retarded.
the only way i can see this being -EV is if you have a habit of missing CC payments. even then that is solved by just setting up automatic payments thru your banks bill pay, which also massively cuts down on your time invested.
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