I understand the risk & stupidity of credit, but I have resistance to keeping a cash reserve somewhere for 5% on the off chance I may need it when it could be working for me. I have a 3.9% credit card (they keep extending the intro rate) & a 7.9% permanent rate card.It make more sense to me to use those if something unexpected happens until I can cash out of something lucrative. So what's wrong with this logic??
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