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CreditCardConcerned

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Best most accurate way to use a credit card
I'm new to this and want to improve my credit score.

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Top Contributor
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This is easy to say, but requires a bit of attention:
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1) Never use more than 10% of your credit limit... ever.

2) Never charge more (or even build up a balance higher) than you can pay off within a week at the most.

3) Always pay the balance to zero every month, faithfully. If you can, pay it down to zero once a week.

4) Once every six months to a year, request a credit limit increase.

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Hope that helps a bit. :)

Top Contributor
9896 Contributions
4246 People Helped

Good advice, for the most part but never pay accounts weekly.  You want to show usage and if you pay weekly, you likely won't.  Pay in full what shows on the bill each month.  I advise reading the articles here so you can learn how credit really works, since that is the purpose of Credit Karma. I sure learned a lo[t!

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