@Phana24 wrote:
@dunn2500 wrote:
.ive had same scenario with auto purchases 3 times and all 3 times my pts changed in different ways........
a couple of friends and even my parents pay all their balances in full every month on due date and they all over 800......i may just take this approach as the other one doesnt seem to be working very well......i only have 2 CC and auto loan and all on time so cant imagine what else it would be......any help aprreciated
When your score improves, make it a point to get at least one and preferably a few more credit cards. Since most cards give you flexibility on due dates, that will make it easier to spread out your bills, easier to do the AZEO gig, and while you will pay a price for AAOA, eventually having five cards will turn in your favor. My suggestions would include the Discover Cashback and/or PayPal Cashback(Synchrony) card. Discover is great for the first year(they double all your CB for a year. It also allows you 5% CB on a quarterly rotating basis. I know Synchrony is not popular on this forum, but they've been great to work with from CLIs to hacked cards. I got both cards with barely good credit (660-680) and they've been great over the last four years. The benefits I received from having consistenly low CU, never needing to have one acct report 10%+, and the CB far exceeded the relatively small price I had to pay for AAOA for s few years was worth it.
just picked up an AMEX card, will get one more than relax for few years........Discover doesnt like inquiries and shot me down awhile ago, will only go for cards that have pre qualify to pre approved and even with that it needs to be solid, tired of wasting inquiries and quite a few will fall off this months actually ( 10 i believe)......now that i have 3 cards just going to auto pay statement balance every month, and this month should be good.....my main card has $28 bal out of $1000 and other one i dont use.....so $28 on $1300 should gain me some points back.....AMEX will start showing on next months reports..........thanks to all for helping, just frustrating trying to gain pts and have them yanked but i get it, its just part of the game.....
