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Discussion in 'Credit Talk' started by author_22, Sep 23, 2001.
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It is best to pay in full when you can...BUT your credit report will say you NEVER pay in full because you pay in full, but the next month you buy more...
I learned this the hard way.
I learned to pay in full BEFORE the statement is generated, including new purchases, or change cards...use CARD A for one month...second month use CARD B...third month use CARD C.
My DISCOVERCARD was ALWAYS PAID IN FULL...but it "LOOKED" like I NEVER did...
BUT NOW DISCOVERCARD WILL HAVE A $0.00 BALANCE FOR MONTHS...MAYBE EVEN YEARS...(I'M STILL WAITING ON A CREDIT LIMIT INCREASE WITH-OUT A CREDIT REPORT)... THEY ARE LOSING THEIR CUT OF $900.00/WEEK...
If you can pay your bills off in full every month then by all means do so. Timely payments and low debt ratios will in time give you higher scores.
I agree with both posters below as far as scores are concerned, however if you want to receive BT with teaser rates and higher limit increases, carry a balance, you do not have to carry it for long or for a very large amount. Carrying a balance has worked for me and for everyone that has tried it. I have over $140,000 in lines and both my sister and my wife have built portfolios in the 6 figures within years.