@AverageJoesCredit wrote:
Getting credit cards and using all of them is not shady nor is paying before the statement post. Of course John Q Public has different views and use of credit then most of us here but most of the general public are unaware of things we end up learning here , things that could actually help their credit profile.
I personally have started to pay my credit cards earliest as possible after it posts so as to help me control my debt. I use to carry balances as being in the normal world, i didnt realize how much interest i was paying doing this. Sure 7 cards , in 12 months, might seem to be risky, but there are plenty of reasons for people to multiple cards in a year. Just mho
In my travels as has been mentioned, it seems the folks on the street are pretty much not interested or really up on the credit world. In fact, those I have held conversations with don't care! OK! As to not paying your balances before the statement close, why not? How is this "shady"? For myself I do not want debt and I pretty much use my credit cards like debit cards with all the protections on my purchases that credit cards can give (don't need the hassle with banks and Debit Cards where the protections are few and in some cases virtually non-existent). Lived a long time and a lot of life ... my methods have kept my FICO and Vantage Scores well into the 800's for years so I would say my methods work! 