@Anonymous wrote:
@Anonymous wrote:
Yes! I actually checked Friday and I have been approved for a $300 SL with the Platinum cars. Which is better than nothing!
I am so excited to begin building my credit!
Only thing is, now I don’t know if I spend $40 should I pay the balance to zero every month or just a certain percentage? What would look better on my credit score? I am completely new to this!
Congrats on the approval, I would leave a balance to report on the card then PIF before due date, both for scoring purposes as well as showing other potential lenders that you're using the card and using it responsibly, reporting $0 will likely result in FICO scoring penalty and give the impression that you're not using the card at all.
To maximize your score it's best that you report less than 8.9% UTI, but if you do not plan to app again soon, I would just let the charges post to statement and set your CC autopay to pay the full statement balance on due date (this should be done anyway as a safety net), then make an extra payment to bring UTI under 8.9% the month before new application to maximize the score, no need to micromanage all the time.
Good advice
I would however set your autopay to pay your balance one week before your due date. This way, if there is an unforseen issue that pops up, you have plenty of time to submit a manual payment.
>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
