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I'm 20, just started new part time job in college make good ass money now. I have a credit card I trust myself financially blah blah. I always save money I have a safety net and stuff saved up. I have a IRA I am putting money into with each check.

That all being said I want to push push push my credit score but I don't want/need to get loans for a car (my beater is fine) or a home or anything. That being said how do I use my credit card perfectly? I use it on and off again, at first for gas then I just started swiping it instead of debit and my score went down? I always pay it off?

Everything online is just "Pay off your balance!" and stuff like that but what are the literal best practices?



Submitted March 19, 2021 at 02:03AM by Scrogginaut https://ift.tt/3tEpoxl

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