Anonymous #3 11w

Also just waiting for time to pass, so keep a consistent card account open. Unfortunately it takes years (7+ I think) for this to have a positive impact on your score, but it also doesn’t do much damage to your score in the meantime

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Anonymous #3 11w

when we’re saying pay the minimum like what does that mean, are you saying i need to spent a certain amount of $ each month or is there some $ i’m being charged each money that i need to pay

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Anonymous OP 11w

It’s whatever amount your credit card company calculates based on how much debt you have on your card. This is not an accurate example at all but if I had $1,000 on my card, my monthly minimum payment would be $50. It’s calculated for you on your app/website

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Anonymous #3 11w

bruh i hate this system like i get it but who the fuck built it like this

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Anonymous OP 11w

It’s dumb, but it’s a lot simpler than it seems. I had zero knowledge besides the revolving utilization tip going into my first credit card and my score is in the 760s range. Also don’t be tempted to over spend when your credit limit is increased. Mine is at like $16k now because discover is predatory as hell but I’ve never had more than $5k on it at one time

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