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fatalerrorx2
Member since: September 2009
Total Contributions: 1
Activity
(1 Total Contributions)Credit Card Utilization and Average Credit Scores
Keep in mind that having a line of credit with a card issuer is a privilege and not an obligation. You shouldn't take on more debt then you can afford to, and you have to be responsible in paying it back. By paying only your minimum payments, it makes you more of a credit risk in the eyes of the card issuer, because it means you don't have the necessary funds available to pay back your debt sooner. For instance, since I always pay my bill in full every month, I was late by a day on one of my payments and simply sent an email to the credit card company and they resolved the issue and didn't charge me a late-fee because they saw that it was a fluke and that I'm not a credit risk (with low utilization and 100% ontime payments). It's all about how long it takes you to pay back your debts.
Comment Reply posted 2 years ago
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