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I tend to use my cards to gain rewards and goodies, then pay them off in full or under 25% util every month.
Recently, I have had many friends who have had their limits reduced or acounts closed due to non usage. I can understand the creditors not wanting to leave a consumer with that option. The logic of it makes sense to me.
In any case, how does everyone use their cards? Gad, food, dining, online purchasing, goodies? I personally have different cards allocated for use towards different types of purchases depending on which cards get the best rewards.
@ngerasimatos wrote:I tend to use my cards to gain rewards and goodies, then pay them off in full or under 25% util every month.
Recently, I have had many friends who have had their limits reduced or acounts closed due to non usage. I can understand the creditors not wanting to leave a consumer with that option. The logic of it makes sense to me.
In any case, how does everyone use their cards? Gad, food, dining, online purchasing, goodies? I personally have different cards allocated for use towards different types of purchases depending on which cards get the best rewards.
So do I ... me too !!
I uses my ccs for everything except at cash only stores and PIF by due date or before closing date, then I only have three ccs balance get reported. Therefore, I only carry very small amount of cash in my wallet.
i use them any way i want. i'm not a slave to my cards
@laz98 wrote:i use them any way i want. i'm not a slave to my cards
Best Answer of the Day!!
I run them up to the 95%. Pay minimum after statement cuts (for safety). Pay full balance by due date ( Rarely if ever pay interest). Sometimes pay early to clear credit for more charges.
I think credit should work for me.
IMO. Rebuilding or building is about showing as much credit use as possible without mistakes.
I use them to maximize my FICO score and get as many rewards points as I can. Our NFCU rewards pay for Christmas every year.