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Old 07-27-2005, 03:28 PM  
V_RocKs
Damn Right I Kiss Ass!
 
Industry Role:
Join Date: Dec 2003
Location: Cowtown, USA
Posts: 32,422
You pay for things you already use... Try getting 2 or 3 cards so you have a limit overall of say 3000 to 8000... then use it to buy shit and leave a revolving 1000. But pay of the rest. Don't leave more than 33% or so on them or you will appear to be a dillwad who can't afford to take on more debt because you are already mired in it.

For a LONG time I only had 1 card. It has a $500 limit and I never used it ever. Then I started using it for 2 bills a month and would pay it off or close to it each month. Credit score increased about 25 points. Then I maxed it out and forgot to pay it way down, left it at $400. Next month my rating dropped 70 points due to me have $500 in credit available and having used $400 of it up. It appeared that percentage wise, I was maxed out. Kinda lame... to bad they don't go off assets and capital (bank accounts).... They'd raise it a few hundred...
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