Great Credit Advice from Rainer Christina Hayes

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Real Estate Agent with Alliance Real Estate - Minot 7456

Men with advice

On Ice

Maxed out your credit card?

Put it on ice... Literally!

This is some great advise from fellow blogger Christina Hayes (Rainer) here on Active Rain in her post How to obtain an 800 credit score! 

Christina says: "If you are carrying credit card balances, don’t cancel the cards just yet. I just need you to put them on ice literally. Drop the cards in a container, add water and freeze them."

Of course I'm going to say that is really COOL advice and it makes so much sense for the compulsive shopper. If there is something you really need you can wait for that block of ice to melt from around your card. I might also add to that advice to be sure to let the ice melt naturally before running off to make the purchase. Another measure may be to hide the numbers before you put it in that block of ice so you can not read the numbers while it's in the ice (to avoid "on line" shopping slips). I say that because for effect I froze the card above and you can still read it just fine.

Bob Timm, Your CoolMan Realtor, National Marketing Realtors, Minot ND

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Rainmaker
3,511,974
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

I have given this advice to a lot of my clients to raise their scores.

Jan 16, 2017 05:49 PM #1
Rainmaker
1,158,515
Bob "RealMan" Timm
Alliance Real Estate - Minot - Minot, ND
Bob Timm, Broker Associate, Alliance Real Estate

I had not heard of it before William Feela but I really thought it was ingenious.

Jan 16, 2017 06:22 PM #2
Rainmaker
1,474,573
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Hi Bob - absolute the best advice.  Just stop spend and pay off the cards.  That works.

Jan 16, 2017 06:49 PM #3
Rainmaker
2,378,371
James Dray
Fathom Realty AR LLC - Bentonville, AR
Exceptional Agents, Outstanding Results

Good morning Bob.  I don't have credit cards anymore.  Other than my home and vehicles if I can't pay for it I don't need it. 

Jan 17, 2017 03:42 AM #4
Rainmaker
2,306,555
Nina Hollander
RE/MAX Executive | Charlotte, NC - Charlotte, NC
Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor

Hi Bob... I read this post by Christina... she is writing some really good stuff about credit issues.

Jan 18, 2017 05:06 AM #5
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Bob "RealMan" Timm

Bob Timm, Broker Associate, Alliance Real Estate
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