@kevintrudeau_student: You need to be under 5% in order for your credit score to go up #creditcard #creditscore #kevintrudeau

dcuba189 :

I was told 30%, now 5%. 😩

checkmate :

what if you use 100% but pay it in full 2 weeks before the due date and don't use your card again after due date?

Peanut :

It’s kind weird that they give you limit but punish you for using it… no?

WuddupTho :

Well you left out a few things, if you have a $5000 limit and you spend $2500…as long as you pay $2250 before your statement closing date which leaves you with $250 left to pay on your payment due date which is 5%. You should be fine, your statement closing date is what gets reported to the credit bureaus. So if you pay the $2250 before the closing date and they see that you’ve only used 5% of your total limit ($250) after paying the $2250. You will be fine.

Carlos :

what doesn't it make sense to me, I had a bill of $1,200 for house repairs and I paid the full balance off on time and my credit score still went down can you please explain that?

Kody Smith :

I use it and pay it all before it’s due and my credit goes up

Jordan Rickard :

Not totally true. The safety net zone is 30%. If you use less then 30% of your credit, your score won’t necessarily go down, but it won’t go up. If you want your score to go up mostly every time, use 10% or less overall of credit. Don’t stress yourself the credit gods know why you need credit. I just had my line of credit report a 14% utility and my score just went up 46 points. My other credit cards report a 5% or less. But some months you need more money for emergencies ect. If you go up to 30% in 1 month that’s ok. As long as it’s paid back down to 10% or less within the next 1-2 reporting cycles you will be fine.

Ani 💖 :

This is 100 percent true i have been doing this for 10 years. I spend less than 5 percent and pay it off immediately

Stizzy Mike :

am i the only one that uses a credit card like a debit card. i only ever spend what i actually have in my bank account and never more then that.

Yordi 🦋 :

Thank god because off this strategy I don’t own credit card , I have debit card and cash😂😂😂😂

Desiree Heard :

long as you pay large amounts off 10-15 days before due date its going up

Betyurbottomdollar :

You lost me at K-mart card

Sure Jan :

lol pointless game eh

JAAFA :

K what????

matt.wilkes0331 :

What if you pay off the card every month?

FaniGherman :

"Tanya :

Pay it off before your date

Air max :

100%

lmorin328 :

Wth KMART card😂😂😂

riomaxempire :

gsxrcowboy1 :

K-mart 🤔

𝓢𝓽𝓮𝓹𝓱 💤 :

facts

hendog :

I have a question

Namir S Garmo :

I thought it's 33%

Anakin Skywalker :

I have 800$ credit and they always keep trying to raise my cash I decline and I only use 60$ from the 150$ percentage I can use