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:
is there any reason not to have a negative balance on my credit card?
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08-14-2011, 07:46 AM
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TSVIDeo
Join Date
Oct 2005
Posts
416
Senior Member
Yeah I don't see the point in having your own self-made secured card.
I don't actually want credit at all. I'm just doing it for the rewards program and because of the ridiculous way credit scores work. If I could have gotten the same card with all the same features except that it debited my checking account I would have done so.
You're also reducing your cash on the (granted, extremely rare chance nowadays unless you engage in illegal activity) chance that you will need quick cash. Let's just say that I already have more than enough liquidity already.
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