So my credit is abysmal. Less than 600 (I don’t have any other debt BUT student loans which is whats crushing me.) But I’m finally in a good place job wise and I thought about building my credit up with a $200 limit card. Now I know they say don’t use above a 30% credit utilization, and that the lowest you can get the better it will be. So my idea is just plug the numbers into my Disney + acct for $7.99 a month, cut the card and toss it so I can’t be tempted to use it physically or put it in my Apple wallet, just have the streaming service take out automatically and then set up my debit card to automatically pay it off every month so I can legit just forget about it and not even look too hard at my checking statements Bc I’m used to the $7.99 coming out every month.
My question is if I use the credit card for the same thing for the same amount month after month, even with a less than 4% utilization, will they Eventually be like ‘yeah she’s not even hardly using it except this one purchase a month , it doesn’t count anymore’. Like you know how in video games the higher level you are, the less xp you get killing easy targets until finally those easy targets aren’t worth anything?
Submitted June 25, 2021 at 04:03AM by ReginaBicman https://ift.tt/3vTBX8T
