Cap1 likes heavy usage and PIF each month to start with. Dont carry a balance yet. Especially if its your only card. Dont go over your CL. As you get more cards up to 3 for best FICO scoring. Then follow the AZEO method. Space out your apps 3-6 months. No sprees. Slow and steady wins the race. I've said it many times. Use it as a debit card when you didnt have a CC. You can pay it bi-weekly. But PIF before each statement date. Rinse and repeat.
My signature is to show what can be done after BK, not to brag at all. Took me 3yrs and 2 months. You can get there if you play the game correctly.
Don’t pay it off in a month, just make the minimum payments. Credit scores are built around your ability to make payments.
This is completely false.
The truth in there is that you do need a very small amount of credit card debt to reflect on you credit report . . preferably on just one CC with a balance between $5 and 8.9% of that CC's credit limit. You can absolutely pay the bill in full after that however.
Paying the minimum is a bad strategy. For one, you accrue interest. This delays paying off. All the while charging more.
This could flag as a risk to a conservative lender.
Also leading to higher utilization. Depending on balance, CL and other factors... this could actually ding your score.