• for bills, is having it on autopay with the biller superior to using it manually to pay that biller? I prefer to manually manage all that as I have for years but I figure its beneficial to get that on a credit card and just make sure its paid off. I already basically use a bills bank account to do essentially this manually

  • only purchase what I already have set aside/budgeted for and can payoff before the grace period

  • anything else?

  • discocactus@lemmy.world
    10·
    27 days ago

    The person above had absolutely no idea what they’re talking about. Pay your balance every month. My credit is great now and I defaulted on my student loans 20 years ago. Never give the CC company a cent. Maximize your points, autopay your balance on time every month. Switch/add a card when you can qualify for a more rewarding card. Go spend some time reading NerdWallet. Don’t listen to 14yos on forums.

    • Duchess@piefed.linenoise.vipEnglish
      31·
      27 days ago

      I have a 780 score and have helped several friends and family build their credit including coming back from a bankruptcy this stuff is a hobby for me. OP was asking about credit maxing and that’s how you do it.

      • pelespirit@sh.itjust.works
        4·
        27 days ago

        I have a 780 score too and I pay it off every month. It may depend on other things for each person. I bet it’s dialed in to each individual.

      • BCsven@lemmy.ca
        1·
        27 days ago

        Its arbitrary though. My score was that and I had $45k debt at one point due to divorce and a move etc. They only care that you keep making payments to show they can offer you more ways to get in debt. Its stupid to pay interest to get a highacore.
        Then there was my wife who barely had an credit cars and no other assets or debt and she was over 800 somehow.