05-02-2013 06:07 PM
Do I need to make a large purchase and let it report somehow? Its my first charge card...ill do some searchin. Just rrally hoping for the backdating!!
What you need to do with this card is charge responsibly and PIF every month. It does not affect your overall util. on any FICO other than TU98 (what you get here). That score is more educational than anything.
I would run bills through it you normally pay. Don't get too loose with it, it is very easy to rack up a bill on it.
05-02-2013 06:25 PM
05-02-2013 06:30 PM
05-02-2013 07:16 PM
05-03-2013 01:08 AM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.