I think that until I have a decent EF, life can come with a curve ball and force me to use credit, so it would be nice to have fast access to low or decent interest money. Mainly thinking about medical emergencies, nothing else comes to mind.
Well, you never now, let;s say you need to bail an innocent family member from jail. Or maybe someone sue you and need to pay lawyers.
I'd better stop or I will scare myself.
The point is, until I have a decent EF, I would like to have low interest credit available, makes sense?
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