Has anyone ever tried the “adding good credit” technique? I did some research and everyone swears by it, but I’m wondering if anyone out there who has actually tried it can share if it helped or didn’t…

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Turns out that the answer to the question in my last post was predetermined by the Zales 12 months interest-free promotion that would be expiring on May 18, 2008. Time flew by so quickly; I had only been making the minimum payments and enjoying the finance-charge-free bills. I totally forgot about it. So, we still […]