I am im college and have been using this stragey ever since I got my first card in December. I now have three with total 1.8K in credit. I know it may sound akward istening to a college kid about credit, but this may help those that struggle with due dates and payments etc. So to start out, I changed all my credit card due dates to the first of each month so I dont get "lost" and forget something. I made an excell sheet for myself which truley helps. I list all my accounts ( CC, RENT, Self lender ). I have headings under each account like : Due date, Minum payment, When I clicked the payment button, and when the Payment has been recived by the creditor. I have folder that lists all the emails I get regaring my payments incase anything happends. I dont like to use auopay excpet for rent. I update this sheet each month. I also discovered this spreed sheet that somone posted on a repy to my post: https://docs.google.com/spreadsheets/d/1E-bRrVpw0UrQfOsLdox4ocwFQBbuvgXjX-KW5NKgiiI/edit#gid=0 . Download it and just list all our accounts and limits and things like that and it will tell you your uliization etc... I will start using this too. Im not sure how to add loans in but ill ask. I just wanted to give some advice that I am using to start to build from scratch. Hope this Helps!
