• 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?

  • Duchess@piefed.linenoise.vipEnglish
    31·
    16 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·
      16 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·
      16 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.