Civic-EG.com Forum 3.3.1

- Sun Jul 26, 2009 2:20 am #133370 I'm looking to buy a house, but my score is a little lower than I would like it. I'll have all debt paid off in a week or two, and I just opened up 2 credit cards and got them yesterday in the mail.

Now, I literally have nothing that I need to buy right now besides food and gas, and won't for a few months. I got the credit cards just to improve my credit, I don't care about paying the little bit of interest.

So my question is, would they know if I went and bought stuff from Walmart/Lowe's and then returned it later on and got the cash back and then paid off the credit card with the cash? I mean, it's the only way I can see me actually buying something and it looking like I paid the payments, in full, each month.

just add another 12 in place of the spair tire.. then you will have a spair sub in case your other blows.

93 Civic Hatch CX

- Sun Jul 26, 2009 4:42 am #133383 You should probably just JDM out your car with the dredit cards, and instead of returning the items, just keep them, and pay double your minimum payment due.
That way you'll build your credit AND have a sweet JDM car.

::: 1992 Civic Si ::: 1992 Integra GS-R :::
GREDDY EVO 2 FTMFW #2 ..... >100,000 mile club!

- Sun Jul 26, 2009 4:49 am #133384 what you should do is buy food and gas with it..like normally you'd give cash..well hold onto that and use the credit card but put the money away like you spent it and then use it to pay the amount on the credit card

[teal_dx]

- Sun Jul 26, 2009 5:20 am #133391 plus a lot of times when you buy something with a credit card and return it, they refund the amount to the credit card.

Just start using it for the day to day things whenever possible and keep it paid off You'll get there eventually

Do Not PM me your technical questions. Post them in the forum!
My 1992 SOHC Turbo Hatch
My Youtube Channel: 6th Gear Garage

- Sun Jul 26, 2009 7:00 am #133398 Yeah and when the money goes back on the car for returns it shows up as a "return" so I dont know if that matters.

Maybe you could ask your friends if they plan to buy something big and just get the cash from them and put the item on ur card, just make sure you get ALL the cash up front before you do anything,

- Mon Jul 27, 2009 9:13 am #133519 its been awhile since i baught my house but if i remeber right make sure that you dont have any debt on your card for a month or so when you apply for the loans . also dont get to many cards that wont help

no rest for the wicked"