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SpiritualQuokka t1_jab8tld wrote

3 & 4 are the same thing, so your unwillingness to do 4 rules out 3.

2 only makes sense if you will save interest.

1 is just fine, hard inquiries don't have much effect on your credit and they have no effect after 12 months.

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OneEyedFox OP t1_jabal50 wrote

Very true, the real debate was between 1&2, but then IF 2...Why not 3? Lol

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SpiritualQuokka t1_jabb0ue wrote

I'm not sure why or how equating saving money on interest expense to risking money on short-term investments is funny, but... OK?

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OneEyedFox OP t1_jabb6ze wrote

Sometimes you just have to have a little fun, and that's okay too.

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rshook27 t1_jad3eo1 wrote

Have fun with your own cash, not debt.

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