HOW IN THE FUCK DO YOU MAX YOUR CREDIT SCORE USING CREDIT CARD

nobody seems to agree on reddit how in the fuck do you play the game to boost your credit score using credit cards? do you have to hold the balance for an entire billing cycle and pay interest? or can you just immediately pay off the credit card bill 1 minute after using it to buy shit so the balance stays 0 and you avoid any interest charges.

You pay the full amount of the last statement balance when it's due every month. You never pay interest if you do this.

so you have to wait until the statement is processed at the end of the billing cycle befor epaying it off? otherwise you dont get your goodgoy credit points? like if you paid it off the same day you spent on the card you wouldnt get a boost in score?

nobody seems to agree on reddit how in the fuck do you play the game to boost your credit score using credit cards?

There's no clear exact rules, it's all fuzzy logic and guidelines. If you use a credit card and pay it off consistently and don't use too much credit your score will go up.

do you have to hold the balance for an entire billing cycle and pay interest?

No, that hurts your credit score because it shows you can't pay it off immediately. Just pay it off before it accumulates interest.

or can you just immediately pay off the credit card bill 1 minute after using it to buy shit so the balance stays 0 and you avoid any interest charges.

They send you a statement once a month, that's when you pay. You don't pay interest on it if you pay that statement within X days.
They use this and compare it against your credit limit to determine credit utilization. If you have 10k limit and have a 3k amount owed on your credit card statement, that's a 30% utilization.
0% utilization can hurt your score. 100% can hurt your score. I typically hit 10-30%, some months 50%-60% and my score is excellent, never paid interest, it doesn't really matter that much.

so your spending is deferred 30 days?!?!?!

Anon, that is literally an original feature of a credit card.

No, don't wait until you get charged interest. But it's also not necessary to pay it off minutes after making a charge. You wait until you credit card statement comes out every month, and they you pay it by the due date which is usually like 3 to 4 weeks later. Make it easier on yourself by setting up automatic payments.

No need to ever pay interest, paying interest does not affect your score (non-primes are so gullible). Every missed payment is visible for years on your credit file so don't miss any. Keep your utilization at 0% aka pay off in full every month. Get 4-5 active tradeline lines, credit cards, lines of credit (and a loan if you have a reason to). Get high limits but don't spend. Avoid hard credit checks. Don't cancel old cards because tradeline age helps. Do all these and just wait honestly. I had to look at credit files all day for work.

how in the fuck do you play the game to boost your credit score using credit cards?

There's short term strategy and long term strategy.

Fucking around with the balance can cause just a modest increase (unless you've really used a huge % of available credit).

Long term a super high score:

Has a buttload of cards (and auto loans, mortgages etc.)

They've had for decades

Hasn't had a new credit application for two years

No late payments/default

Uses only a very small percentage of available debt

From this note:

What's best for long term credit isn't necessarily best for short term credit

Doing what's needed to getting the absolute highest possible credit score is kinda gay and also not necessarily the most financially responsible and more signals you're a good little goyim than anything. Running out and getting an auto loan could be part of a strategy to boost your score but that's kinda gay.

For most things it just doesn't matter you don't have an 850. 800~something, 780+ usually gets you the best rate. If your score is above 600,700 that's generally fine for background checks or apartment credit history checks.

So the real, practical strategy is:

Strategically acquire decent credit cards, you can qualify for, ideally that have a nice sign up bonus and no annual fee.

Pay that shit on time (set up auto pay) and make a purchase a year on them (idk Amazon balance reload for $5)

Strategically request credit limit increases every six months or so, ideally without a hard pull (you can check online for what banks do this, most will warn you)

aim to get 12+ cards in 3 years

do you have to hold the balance for an entire billing cycle and pay interest?

If you pay the balance due for a statement you receive on or just before the due date then you pay 0 interest.

So if you buy $1000 of something may 10, you get a statement on June 1st with a balance of $1000 due June 15th and you make a $1000 payment June 14th (Or 15th) you owe zero interest.

HOW IN THE FUCK DO YOU MAX YOUR CREDIT SCORE USING CREDIT CARD

Just pay your bills in full on time. I also don't know why it wavers in score like that, because I haven't changed my spending habits.

OP this is a midwit.

Pay ur bills on time

Nigga that's just the start. Also because nearly all of your bills are not on your credit report that sounds kinda gay unless we're talking about avoiding someone filing a claim against you.

I also don't know why it wavers in score like that, because I haven't changed my spending habits

Could be a variation in your spending as it relates to a particular billing cycle or a credit limit increase or a new account you've opened

just do a search for 18 to 21 months no interest cards
you pay a 3% one time fee for the transfer, then just make payments on time
want to extend another 21 months? transfer again
3% every 18 months is lower than fiat inflation, you just beat the bank at its own game

The trick is about your income.
the bank jew will notice when your account gets large deposits and they'll issue you credit depending on said "income".
the easiest way to debtmaxx Is wash trading your bank account injecting good sums of money every month but might be a problem if your country likes to rape you with taxes.

t.

Debtmaxxed $250k worth of credit cards in my shithole country.
all in on crypto btw

needless to say that once I was doing that for at least 4-6months. I wss getting calls from everywhere from supermarkets to every bank offering me credit cards.
I just took every card I could and spend their own money to boost my bank account.
heh nothing personal, jews

So this covers both OP's questions

how to creditmaxx

how to debtmaxx

TL;DR
boost your bank account first, always spend and pay your credit cards, earn good goy points for a while then enjoy your score and debtmaxx

i dont get it then why would they boost your credit score if they arent making any money off the interest because you pay it right away?

0% utilization can hurt your score

thats what im asking. so how and when is utilization calculated? do you get utilization credit if you pay when you get the end of month billing statement? or do you have to let the balance roll over to the next billing cycle and get charged interest to get credit for the utilization

So if you buy $1000 of something may 10, you get a statement on June 1st with a balance of $1000 due June 15th and you make a $1000 payment June 14th (Or 15th) you owe zero interest.

but do you get a boost in credit score for doing that? or should you let some balance carry over to show you are a good paypig so they give you more points?

If your score is above 600,700 that's generally fine for background checks or apartment credit history checks.

yeah im in the low 500s trying to build back as fast as possible again

he still cares about his credit score

i remember when I was a poor wagie

maybe your payments to the card wnet through on different days?

yeah but when do you make the payments to maximize score? people on reddit were syaing 10 days befor ethe cycle ends other people say on the due date and other people say wait until after so you do it on the next cycle

There's no clear exact rules, it's all fuzzy logic and guidelines.

dont forget random swings to keep the completionists waging.

Understand that you are not going to be "maxing" your score anytime soon and it also does not matter if you do.
its going to be minimum 6-12 months to make a meaningful gain from an average/low score.
You want to keep your balances under 20% of your credit limit and pay on time/early. there isnt going to be a magic day number that reddit gives you.
credit card companies are already making money off a percentage of every purchase you do. They dont need you to pay interest to make money like a loan does.
there are other factors like debt to income, etc.
just ask your local credit union.

They just look at your credit card balance periodically to determine utilization. Whether you're paying interest on it or not isn't relevant in determining utilization.

Pay immediately, but leave 1%, then pay it at the end of the month. always pay on time. The other things that boost your score take time, like how long your avg/oldest acc is open, or types of credit. If you have a card for 3 years, pay it off every time and keep utilization at 1%, you should be at 800 by then.

I had a single credit card with only $1000 of credit, and got 780, utilizing the 1% method. I opened another card a few months ago, so it took my credit down because of the hard inquiry and it lowered my avg account age, and I also was lazy with paying it off so I had some times with ~20%+ usage. My score is back at around 760 now.

what do you mean wash trade? where is the money coming from? that only sounds like it works if you have a large sum sitting somewhere but if you are poor to begin with how do you do that?

Depends of the country. Let's say you have some digital wallet or whatever, (don't know if it works with paypal) and it needs funding.
easy then, just fund it using your credit card, then move said funds/money to your principal/main bank accounts and you hit two birds with obe stone;
you used your credit card and your bank account was funded with money magically.

or just buy and sell crypto and cash out direct to your bank account. You'll only lose the comisions and at exchange rates but that's the price you gotta pay for a greater good.
not advice (the crypto stuff) for muricans tho since IRS might rape them

It takes time

Keep your oldest credit card
Get new ones, keep them, but don't do more than 2 a year or so
Have a mix of credit
My score went up after taking a mortgage
My score went down after paying off my 34k truck in 2.5 years
Idk really
Just pay your bills and don't be a nigger

i see. that is clever. dont they charge a fee though? when i try to do that with paypal the credit card charges an extra "cash advance" fee of like 8%

what do you mean wash trade?

Pump your bank account

where is the money coming from?

your own money,loans, credit cards, whatever.
just make sure to pay every balance and to use every credit card issued to you.
Fool the jews, they want consooomers and want to issue debt to whoever can show them wealth and good paying habits

all of this is so retarded

you are offered free house money to play with

you politely return 90%+ of it before the statement, ideally by not using it in the first place

every 2 hours the house wants all of their money returned totally, if you succeed in doing this, you get to keep the delta for yourself. the house is happy, you are lent to again. do this over and over, and you'll be offered more and more money.

If you are discourteous and you continue to use 10%+ of the house money by the statement date, you are frowned at.

if you fail to repay in full by the due date, you must now pay the penalty and are further shunned by the house. you may be offered more money, but now the house is preying on you

you are now the debtslave underclass, with your debt being how long you must serve until you are free

i already went full nigger a few years ago and debtmaxxed like 150k but for some reason the banks started sending me credit card offers this year so i was surprised to see it actually went through as approved when i opened a new one despite having like 508 credit score

ITT: how to pay for stuff you owe

thanks im gonna try this out. last time i never even bothered because they kept raising my credit limit every time i asked on the website and the form would ask for my job and income and i would just say surgeon or lawyer or CEO and 250k/yr under salary and they would give me an extra 10k on the card. i just did that a couple times a year until i got the cards up to 50k or so limit

8%

too high but if you can afcord it then go for it.
and i thought i was feeling ripped of for paying 2.5% for every cash advance.

anyway, you got the basics so gl bro

I'm not sure how this will end for you
What's the endgame?
Lien in your house
Endless wage garnishment?
Debtmaxxing is tempting in a hyperinflation or monetary endgame scenario
But ignoring the hyperbolic pearl clutches, we're not there. Yet
Fico 10 tracks revolving balances btw

What's the endgame

take a gorillion credit catd debt

settle a few years later for $10k

=profit?

Before going the debtmaxxer way, you must pass your deeds and everything you own to some reliable relative so nobody could fuck you up

[drops a quarter in your coffee cup]

God bless you, Hope you get your shit together soon.

The sad thing is I could take out a car loan tomorrow and it would probably go up

I looked one time at one of the reasons why my score was so low
Something like my mortgage still had a high balance compared to the original loan amount
Such bullshit
Forgot that it's at 124k on a 280k house. Fuck you Fico Jews give me my 850

True. My credit score didn't breach the 800s until I took out a mortgage and car loan.

Fico 10 tracks revolving balances btw

Most lenders still use FICO 8, but yeah you're right.

800+ credit score anon here. All you have to do is have at least a couple different credit cards and pay them off in full every month/billing cycle. Keep doing this consistently (don't be late ever!) for a few years to build credit history. Length of time with good credit history builds your score.

I've only heard of Delta-8, Delta-9, and Delta-10

DUDE
too bad you can't use cards to buy your drugs

How many exact credit cards do you have and are they with the same creditor?

I have two credit cards with WF but I'm thinking of closing one because I hardly use it but I might just keep it open to build credit.

Keep the oldest one
You should probably keep it anyway
Total available credit is used in the score also

My goyscore is 803. Am I gonna make it?

pay interest

Just checked my credit score. I literally dont have one.
Im "Credit Invisible".
and (You) still submit to the credit card jew for validation on your good goy points.

Great energy — and you're asking the right question, because yeah, Reddit can be a mess of half-truths and conflicting advice. Here’s exactly how to play the game to max your credit score using credit cards, with no BS:

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1. Pay your credit card bills ON TIME.

35% of your credit score is payment history.

Set auto-pay for at least the minimum due so you never miss a date.
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2. Keep your reported utilization low (under 10% is ideal, under 30% is acceptable).

This is where most confusion comes in.

Your card reports your balance once per billing cycle, usually on your statement closing date — NOT your due date.

If you pay everything off before the statement closing date, it may report $0 — which is fine, but won't show you're "using" credit.

If you let a small balance (e.g. $10-$50) post and then pay it off after the statement posts but before the due date, that shows usage with no interest.

Best practice:

Use the card normally.

Before the statement closing date, pay it down to 1–10% of your credit limit.

Let that small balance report.

Then pay it off in full before the due date — so you never pay interest.
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3. Don't carry a balance just to “build credit.”

Carrying a balance and paying interest does NOT help your credit score.

That’s a myth. It only helps the bank make money off you.
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4. Keep cards open long-term.

Length of credit history matters (15% of your score).

Don’t close old cards unless there’s a good reason.
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5. Have multiple types of credit (eventually).

Credit mix helps, but it’s minor. No need to rush loans or anything.