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Reply to "How to talk to NF about not using my own money for errands"
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[quote=Anonymous][quote=Anonymous]It can hurt your credit score if you charge more then 10% of credit limit on your card. [/quote] Credit scores reflect your ability to pay off your debt, so the more you charge and pay off immediately, the better it is. I spoke with my bankers, and they recommended using 1-2 cards from each of the major credit card companies, as well as having a short-term loan. I did the loans immediately ($5k signature loan through one bank, $5k line of credit through the other bank), put the $10k in my savings accounts for 2 months while making minimum payments, then paid them both off completely in the 3rd month. Currently, I have 5 credit cards, and by charging everything and paying them all on the same day every month, I always know what I am doing. My score has gone from high 600s to over 750 in 9 months.[/quote]
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