I'm still hilariously amused by the people who claim that paying off a card in 4 months is a bad idea.

Look at wall street, people consider a 5% positive ROI in a year as doing *very well*. Imagine that buying a card new depreciates its resale value instantly by 30%, if you pay off the card in 4 months, that's a 70% ROI in 4 months. Admittedly it's riskier, but isn't that the name of the game? Don't like risk, go invest in blue chips (not that they're doing great these days).

I don't want to keep motivating people to raise up my difficulty while my price is dropping, but let's get some perspective here, really.