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Whatitis123

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Best Spend/Pay Strategy to Build Credit Score Efficiently?
I'm 22
Have 2 Secured Credit Cards about $300 limit each
Credit Score is almost at 700

I wanted to ask you guys this.. What would you say would be the best spend/pay strategy to build my credit quick and efficiently?

Both the cards statement dates end towards the end of the month say the 30th.. then I usually have an amount due the first week of the next month.

is it better to pay off your full credit balance at once? or pay the min due and leave a balance? I know both cards report to the credit bureaus on different days

What do you guys recommend?

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