Agreed...Oh for sure, no reason to be maxed or pay interest.
What you don't won't OP is to look as though you are manipulating your reports. They may find that a little fishy.
They see a running total of your credit card debt. If you have $10k in credit and only a $1 has reported for the last six months. In a manual review someone's going to be scratching their head. 😂
What you don't won't OP is to look as though you are manipulating your reports. They may find that a little fishy.
They see a running total of your credit card debt. If you have $10k in credit and only a $1 has reported for the last six months. In a manual review someone's going to be scratching their head. 😂
As long as you pay by statement due date. You won't have any interest. You have 55 days if you use the CC right after the statement cuts, before it needs to be paid not to incur any interest.
Not full balance but statement balance.
I try to use mine to my full advantage! lol
That money can sit in a high yield
savings, checking or money market account until the bill is due.
Not full balance but statement balance.
I try to use mine to my full advantage! lol
That money can sit in a high yield
savings, checking or money market account until the bill is due.
Yes, unless you're over 29% utilization on that card. If you want to be a little picky..make it 9%.
I don't know your situation, but if you really want to build credit history. Use your CCs like a debit card. Pay every monthly bill you have with your cards. That includes food, utilities, gas..you name it.
In two years, you'll have established solid payment history and the lenders will be offering you CCs to get your business.
Scores are one small part of the recipe. Showing the creditors you're a master at managing your credit is what matters most IMO and experience.
In two years, you'll have established solid payment history and the lenders will be offering you CCs to get your business.
Scores are one small part of the recipe. Showing the creditors you're a master at managing your credit is what matters most IMO and experience.