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Vetteman94 said:
phnguyen89 said:
Okay, to those of you who are listening to people to avoid the credit card, just forget what they said. I have a wamu card (just got it when wamu wasn't chase to get free credit rating), chase visa, discover, and barnes and noble. When I looked at the free credit rating from wamu, I have 745 rating. Their system boosted my rating because I pay in full each month. The only time my credit went down is when I closed my bank account at bank of america to switch to wamu.

Here is how to use the Sony style credit card:
Buy a ps3 using it at the sony website. The card is zero interest for 12 months.
Don't pay off the debt until the $300 is cut to $200.
Then pay it in full.
Put away the credit card.

You still have to make the minimum payments otherwise you lose the 0% interest deal, you miss one payment during those offers and the deal is off.  Its the way all 0% deals work.   

So for those of you thinking of listening to this guy, forget what he said.

Okay, let me make it explicitly clear on this.

 

Do not pay off the FULL debt until they give you your $100 back.  Okay?

But Vetteman94 has pointed out something important that I overlooked.  Tx.  So for the first two months (8 weeks) just pay off the minimum balance.  You're credit is not going to decrease because of that.