When I got my first 2 cards, their due dates were 2 weeks apart from each other. As one got near the statment cut date I would make sure it was PIF prior to that date. If I had to charge anything durring that time I would put it on the other card and so on. Just my 2 cents.
Good Luck!
Agreed with the above. It's convenient when you have staggered due/close date.
Use the CCs as much as you need. Pay it down if you are brushing against the credit limit.
Try not to carry a high balance or pay interest. Before the due date on one card, you want to pay to zero and report zero. On your 2nd card, have it report a small balance, eg. $10. You want to be 8.9% or under for reported utilization. Once billing cycle closes, pay it. This should help with your FICO score.
Use the CCs as much as you need. Pay it down if you are brushing against the credit limit.
Try not to carry a high balance or pay interest. Before the due date on one card, you want to pay to zero and report zero. On your 2nd card, have it report a small balance, eg. $10. You want to be 8.9% or under for reported utilization. Once billing cycle closes, pay it. This should help with your FICO score.
Congrats on your Disco approval. The above posters were correct. Once you start to get more cards. It will get confusing. I have 1 card with a mid-month statement date I use only when my other 7 have the same statement dates between the 1st and 4th. I worked it out that way. I use each card each month. One payday is cards. The other is rent.
Once you get out about 4-6 months since Disco. Go for the third card for the rebuild FICO bonus. FICO likes less than 50% of your cards reporting a balance. Just some examples as you grow the cards. Good Luck!
