I’m 30 and got my first about a year ago. Didn’t know until like 2 months ago I wasnt supposed to pay it immediately every use.

Damn better you caught yourself now than later tho. Since you’re early 20s you probably don’t have responsibilities outside yourself so that is at least a good place to start from.

Just keep below the standard 30% across all credit to keep your credit utilization at "excellent"

Paying every use is good, especially if you get cash back

I bet you my ssn is higher than yours
You go first though

From what I’ve gathered You wanna leave some not payed off so on your bill it looks like you’ve been using it then just pay it all off before the due date

50k or dinner with op?

I only have rent and car insurance as bills to pay.

Look at every person in your life head-to-toe, and if they’re nothing, stay away from them. You can’t learn from failure only success!

Video of my mentor

Bro he’s asking for advice lol

What if they have a good heart?

Play the YouTube video from my mentor

Video old af he probably dead how he mentors you? Through a oujia board?

If you think that’s strange he also gives me the upcoming powerball numbers

Here’s how I have my credit cards setup @JayS

CHASE Freedom Flex - Dining and 5% rotating categories

Capital One Quicksilver - everyday expenses 2% back

Discover IT - first year 5% back on every purchase & 5% rotating categories

Capital One Platinum - Google drive subscription - autopay full balance

Best Buy Credit Card - different electronic accessories- autopay full balance

Looks like a pretty good set up.

You could get better use of your rewards if you kinda stick to one ecosystem though, like Chase.

My trifecta is

Amex Blue Business Plus
Amex Gold card
Amex Schwab Platinum card

For the membership rewards points. That set up is good for travel and the Schwab card let’s me redeem rewards points for 1.1 cents per point, so I have like 2.5k cash I can redeem.

But like I am saying, Just make sure you pay the balance every month.

We smart

Same mfs be thinking I’m weird for not having one

Bro just pay that s*** off. Stop being cheap.

pay them off in rotation

if you have 5 cards pay 2 or 3 off in full each month and keep the other 2-3 on a payment schedule ABOVE the min payment. Credit scores are impacted most by you utilization ratio and then your payment.

look at your overall credit limit numbers add them together and then see how much debt you have accumulated and pay the amount off that gets you at 20%-15% utilization at the least. Shows you can pay your s*** off and keep your numbers low at the end of each cycle

credmaxx to buy bitcoins!

Yeah I lowkey need to start looking into some eventually

Credit cards literally give you free money if you use them and pay balance off in full every month.

how is that free