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Madison wrote:Other than lowering utilization, will making payments more than required help your FICO score.
With Amex yes but not true with the others. CCCs love when you have big balances revolving and some hope you pay late so they can ratejack you and CLD you. You take a big financial hit and pay huge interest and your scores tank with your new util. Check out the movie Maxed-Out.
haulingthescoreup wrote:
Paying a couple of bucks above minimum might not affect your FICO score, but it sure will cheer up your creditors.
@fused wrote:With Amex yes but not true with the others. CCCs love when you have big balances revolving and some hope you pay late so they can ratejack you and CLD you. You take a big financial hit and pay huge interest and your scores tank with your new util. Check out the movie Maxed-Out.
@haulingthescoreup wrote:
Paying a couple of bucks above minimum might not affect your FICO score, but it sure will cheer up your creditors.