Quoted from Pinfactory2000:
WOW. If you had to use credit to buy pins, MAN have you done it (life) wrong. SMH
Either way, changing your utilization ratio for one month wouldn't dump your credit 20 points.
Just like all those dumbass rich guys that partner up with banks for commercial real estate/business investment. It's always stupid to use credit for anything. I'm just dumb and poor like that. Next time, I'll mail my cash.
For the rest of you that might be following along, I use credit for short term capital equipment and inventory purchases. Make of that what you will. My annual cost of credit is around 3.7%. My typical loan duration is 45 to 75 days. Just remember, it's good for giant rich companies to utilize credit instruments, but bad for you and me. I truly hope that no one else buying pinball machines ever uses credit.. never ever.
This isn't a hobby for me.