Hey man! Thanks to your method I have went from 0 credit to 727 and bumped my first $300 credit card limit to $775 and got pre-approved for a discover card with a $2,000 limit. ALL WITHIN 6 MONTHS!!! I haven't ever had any kind of credit, yet thanks to you I am 20 years old with a 727 credit score and most likely well on my way to 750 within the next 6 months while I continue watching your videos. Thanks bro!!

I think what he's saying is to spend near credit limit every month (only if you have the cash to pay it off first). Then, as time goes on, your limit will increase and therefore you will be using a lower percentage of your available credit but still spending the same.

Can confirm. I got my first credit card 6 months ago. I had a 580 score and a $300 limit. I maxed it and paid it off every month for 5 months. Last month they moved my credit limit to 500. As of this month I have a score of 672 and a second card with a $700 limit.

According to the bank utilizing above 30% tells the credit bureaus that you are a credit risk. At least thats what ive been told.

Short, sweet and direct to the point. That’s how YT videos should be made.

Yes wholeheartedly agree, I made purchases almost maxing out my credit limit and paid it off in full and didn't carry a balance. After two months I applied for a 3x limit increase and it was granted (amex). Now I don't have to worry about over charging my card, plus the increased credit limit will surely help on my vacation next month :D. Also my points came in and I just paid off a few days of my hotel stay on my statement, so worth it. For the person below, a trick I use to keep older cards active is to put my smaller recurring billing on them such as cable bill, phone bill, gym membership, insurance, etc. I set it on autopay and forget it.

There are a lot of people in you tube talking garbage and giving confusing information. This guy is the only one I feel I could trust. Thank you for sharing.

You are describing how to increase a credit limt...not your credit score as the title says. Low credit utilization is good for your credit, not good for your credit limit. If you are watching this video you are probably tryig to build credit.not your limit. Chances are you have a card or two on one ard use the recomended 30% EVERY MONTH and pay it off EVERY MONTH, by your due date. On the other utilize a good 50-60 and do the same. Now, obviously if your credit limit is 15k you dont have to spend 7.5k every month. Just do it with one card at 30% and if you have one card do 30%. Technically the amount you soend and pay off every month does not matter. But the utilization rate has a HIGH rating impact on your score. So if you average it at 30%, your balance will never show a to high and therefore will not receive that negative impact..opposite actually you will be BUILDING positivley! If you are just trying to show good payment history wether you spend $5k or $5 it does not make a difference, but remember. As soon as that balance goes over 30% - 35% of your total availible credit limit it will start to impact you negativley more and more thenhigher it goes. STAY BELOW or at 30!

Ive been rebuilding my credit since Jan 2018. Unfortunately , the smaller "second chance" credit issuers rarely give out generous increases , more like $250-$500 max so usually not worth the drop in your credit score to employ this method. I find that its much easier to improve the credit score and then open a brand new credit card that has a higher limit.

Thanks for the great videos. I just discovered them tonight and I am thoroughly enjoying them. I'm finally in a position to start tackling this journey head-on and look forward to watching more videos.

I haven't sifted through your 350+ videos yet but I have seen quiet a few. I am starting to rebuild mine and my partners credit back up by becoming authorized users on each of our cards currently opened 4 (totalling $900) with low low limits. First, I'm not opening up any more at the moment with the exception of maybe the discover secured. What was interesting was after only having the first two cards for 2 weeks I got approved for an unsecured QSO from Capital One. I have a bunch of student loans and my bad history is finally starting to fall off. I currently also have about $70K in student loans (Yay... Comp Sci Degree). I have some minor collections that I intend to pay off because they are sitting at about 4 years. I also have a judgment on a very old credit card $3k. That is my situation in terms of credit issues. We have 2 leases (with some lates prior to our significant raises) on our cars. However, both of our credit score sit in the mid 500s. No matter what I do they don't move. So I'm assuming I just need to pay the collections and open some lines (we had zero cards). Time to turn a new page. I have a payment arrangement with the judgement. A payment arrangement with one of the collections. My student loans will be coming due soon in the next year but luckily I live in a nice state that has tax break on student loan payments. The plan for the cards is as follows. Transfer a portion of our spending to the cards and just use our paychecks as the funding method...essentially paying the cards off as soon as we can because the money is just sitting in the bank. I haven't really seen any one talk about the TWO major dates for credit cards. Please correct me if I'm wrong. The first date is the date they take the snapshot of your account. For discover it is the statement date. This balance they use to report to the CAs and cut the bill. The due date for the bill is when you must at least (but all) pay the minimum. My strategy is because I have the Discover It and the QSO with the rewards is to try to use these cards as much as possible.. However, bring the balance down in time for the reporting date so it shows the < 30% or whatever people recommend. That way it shows the bank that you are using the card heavily but also can easily manage the balance. Am I wrong in thinking this way? As far as my other debt what do you recommend? Thanks sorry for the novel, Jason

i did this before watching this. and today my credit went up by 500

My credit limit started at $1,000, then increased: $2,000, $3,000, $6,000, $8,500 within the first 16 months without "trying" to get it increased. Sometimes you just get lucky and they will increase it after X months because you've always made your payments on time.

Thank you so much for these videos, they are really helpful. I am relatively new to the US, from a country where credit cards are not that popular. I have just applied for my first secure credit card so I'm eager to learn about proper usage and credit scores (which was a foreign concept for me)

This is absolutely true, I have a Cap 1 card that started with a $300 CL, over the course of 3 months I would max out and pay off in the same month. Without requesting, I received a increase to $500 then $750!

ohhh. ok, thanks for lender tip too.

pure genius I unintentionally did this with one card and got an increase several times, I paid it off of course. My other card I kept under 30 percent and after 2 years have yet to get an increase on that one.

I had good credit in the 800's. Bought 2 plane tickets & hotel for 2 days plus 2 dresses for my son's wedding. Paid off the entire amount as usual. Now my credit is 799. I came no where near my credit limit of $7,000. What did I do wrong to make it go down?

Buy money using credit and pay them back with that miney😂

I have a 300 limit on my card. But I pay it as soon as my bill post on the mobile app. Once it's paid it basically resets and puts another 300 available balance. So my limit is only 300 but I have used it all the way up to like 1500 in one month because I pay it immediately as soon as the bill post. But my question is it's only raising my credit score by 1 to 2 points each month. Is there something I'm doing wrong or is that the standard a couple of points each month.

I’m confused. What’s the need to increase your credit limit? And when do you stop with the high utilization?

I learned this on my own and it worked

Does this work for a secured card?

I know with my Discoverit card, I started with a $500 CL, and paying it off every month, after every 6 months, they raise my CL $250. I'm currently sitting at $1000 CL and I assume it will keep increasing hopefully every 6ish months.

Great videos. Are you going to do a video on how you keep credit cards active that you rarely use? What method do you use to keep spare cards active?

a car dealer told me to use what i can affored to pay back with a 0 balance at the end of every month do this 6 months and i can buy my first car but my method works with a fair credit score so far he was right but he wants me to buy a car

I love watching your videos. I am currently in a credit plateau of 730. can you make a video on how we can get a more advanced score?

Whats the difference between "STATEMENT DATE" and "DUE DATE"???

I’m 19 and got a discover secured credit card with a $200 limit and after graduating from secured to unsecured with a $500 limit then months later I’m at $1,500 limit now with a fico score of 734

Very awesome so just spend it to almost the max limit and leave about 2 dollars left and then pay that 2 dollars before the due date

Thanks. Fantastic info. You answered exactly what I was looking for

Thats a good concept, but I usually have to make payments before the billing cycle ends just to keep my utilization low and reflect decent usage at the same time.

Great job again BTB!

I had a $300 credit limit and I used up 90% of my credit limit last month, and I still had time before the due date to pay it off but credit karma updated my score and it actually lowered it down to 44 pts. Then I got worried so I paid it all off. This months credit score went up 22pts and my credit limit increased to 550. I can see how this can raise your credit limit, but my main goal is to raise my credit score. I’m scared if I keep doing this my credit score will drop more than it will raise.

once they that you use up all that credit limit of 500 after a while when would be the right time to ask for an increase?

This definitely works. Thanks

so... the 500 dollars is vital? what i would like to see is an example video building from bad credit, to swcured card and the steps beyond that including a time frame... thanks

I only have a secure cc with OpenSky and I believe this won't apply to that because they wouldn't increase my credit until I increase my deposit. At least that is what I was told by them.

What is a credit line exactly? Do you put money on a credit card? How does it truly work?

Yes I agree that increasing your credit limit can help lower your utilization if you're unable to keep your utilization between 10%-30% or lower. But if you have an unsecured card with a $500 credit limit and you're already able to keep your utilization between 10%-30% why should increasing that limit matter when it comes to boosting your credit score? Any insight on this would be appreciated. Great video btw.

Thank you soo much for your knowledge! To increase my credit limit and boost my score? Should I utilize 100% of my credit limit, then pay 99% of the card off before the ‘statement closing date’ ? Leaving me with 1% utilization on my credit report, and showing the bank I handle a need a larger limit?

Question: why would almost maximizing the credit limit make your credit score go down when you leave 0%-9% on the statement closing date? Ex: statement closing date on the 10th; $1000 credit limit; use $950 by the 8th or 9th which leaves $50 on the closing date. That is 5% utilization rate. Doesn’t it not matter how much you use as long as you generate a below 9% utilization ratio by the closing date?

very true advice.

Thanks for this tip!

Thanks for the info

what I had a pre-paid 200 dollar card I used 200 every month, not a penny over and I paid it back every month and my score dropped to 300

Awesome video!

wait, so maxing out my cc will hurt my credit, but will increase my cc limit??? 🥴 what if i need to do BOTH?

Thank you for the quick bite-size video! I am on my way to building my credit~ One... purchase... at a time! ^-^

AMAZING info bro we appreciate you 🤘 plus you look and sound just like my homie OG joe 👊

Gr8 Strategy Sir you just gained a sub✌💯

Question! What would you do if you're around the 650 mark, and would like to get to 700-730? I have 1 credit card, Chase, that allows me up to $20k of credit -- which of course, I don't spend to that limit. Ideas?

Good Advice 👍

Is it okay to just pay off your bill right when you make a purchase?? Plus is it okay to pay your bill 10 days or earlier before the deadline to pay the credit bill? I'm new to credit so I'm just trying to understand it.

I have an OPEN SKY CC SECURED CREDIT CARD and from what they told me i the only way to get a credit increase I would have to put my own money towards a credit increase and that they dont add money to peoples acct we would have to do it ourselves if we want a credit increase.... So how would this video help my credit?

Can you please do a video of the benefits of a secured credit card? I'm still trying to understand credit and I only get approved for secured credit cards. My credit scores are in the 6 and 700.

Bout time, someone with the truth…I didn’t like this whole 30% utilisation

It takes 4 years to build credit

Yeah but it's not up to the creditor to up your credit score but up to the credit bureaus

Thank you!

so ok your saying... cuz i do have a secured card with a 200 dollar limit..is to use over half of it if i need to but do i pay it off befor the report date wich is the 7th of each month or do i pay the monthly 25 bucks a month untill its paid off and build a monthly payment history doin it. wich road do i choose.

HELP! Did you do a video on car loans? My dad "bought" my car for me and I co-signed because I didn't have any credit yet and they gave me over 8.4 interests rate for the next 6 years. I'm not happy about this. I'm not happy about having to be the co-signer and I'm not happy about the interests. I feel like I started building my credit for nothing. What can I do now?

Hi, if I spend up to the credit card limit and pay it off completely and do this multiple times a month, how will my credit score be affected? I got my first credit card too late, and since I have good income, I can do this without straining myself.

Thank you

When I got my credit card from Discover, it came with a $3,000 credit limit and now the credit limit is $4,200 in less than a year... By the way I have a really good credit score

I am currently going thru FED yo clear up the remaining 3 items on my reports. After that what do you recommend if I don't hav3 any revolving lines of credit? I've paid cash for everything over the years and it's as if I would be starting new. What would you recommend? I've been told to get a secured card now and just pay the $300 to start and I've done research on tradelines as well. Thanks, great information.

Useful, keep it up!

Why do you need credit? I am not from US and can't really understand this obsession US people have with credit and credit limit.

So What Secured Credit card(s) You Recommended For Beginners to build credit That has ''No Annual Fees'' /No APR etc? Please List Them Thanks.

HI.. I'm trying to be clear as to what you are saying. After reading through the comments, it seems as though this is geared more towards unsecured cards is that correct? I only have secured cards... :(

What happens if you don't use a card? Does it go up or down or just stay the same?

Does this hold true to a secured credit card, like the one through discover?

As always your spot on with the correct information. You force the card issuer to increase your credit limit if you continue to use a high percentage. How long will it take the negative effect of this method to start fading away and getting your score back up?

Thanks a lot for your advice! By the way , I just wondering that if I could use my credit card to pay my phone bill or any kind of bills . I have $500 credit line. I really dont spend much every month , paying bills are most of my monthly activity with the credit card. So do you think if it would help to raise my credit ?

Question when you use up 95% of your credit limit at the end of the month do you pay it all back of what you used or do you make just minimum payments until you pay off what you used?

Hi BeatTheBush, I've been watching your other videos and I want to make sure that I understand your method to improving a credit score. I currently have a secured credit card with a $300 limit. According to your method, my first objective should be to max out my credit card and pay it all off *before* the statement closing date. This will do two things: (1) boost my credit score as long as I continue to max it out and pay off before the statement closing date and (2) this will show my credit card lender that I need a higher credit limit, and typically they will give me a higher credit limit (say $1000). Once I get a card with a higher credit limit, I can discontinue the temporary boost trick (maxing and paying off before statement closing date) and instead I can simply spend what I need, and pay it off on time (by the due date as a opposed to before the statement closing date). Is that right? Just hoping for some clarification. Thanks for all of the informative videos.

how long it take to get more credit?

Hi BeatTheBush! can you talk about best ways to make extra $$$$

is using less better on a secured credit card with a 300 limit

Is it ok if you pay more than 30% of your credit card a month but pay the amount out early enough before it reaches to 30% altogether

is having interest a good thing? if i buy something thats $250 with a credit card, would paying it all off by the first bill be better than making the minimum payment? or maybe not in full by the first bill but more than minimum payment?

So can you do this as long as you pay it off before the due date ?

Should the balance be payed before the statement period ends or after? In other words, does this strategy work if there is no balance reported?

So If I have a 500$ credit limit and my due date is on the 28th of every month.. should I pay the card on the 20th ? If I intend to use the whole 470$ out of the 500$?

Are you referring to secured cards??

Just got approve $500 this morning 😳😊😊

how long approximately does it take for the creditors to notice this trend and issue an increase?

does anyone know if this works for a discover it student card?

But Is it good when starting out with a credit cards with no credit history …

This is a good idea, but you have to have money to pay off your creditors. Gotta have money to make credit, it aint free!

+Beat The Bush its my first time to apply for a capitalone secure card, while activating the card, they cancelled my CC due to fraudulent activity. So they refunded my money. Recently i got a credit report of 614 only. My question is 1) would it affect my score if i apply for another secure credit card asap? Or do i need to wait a little while before applying for a new one?

Is it good to use this method if your utilization is maxed out for all cards?

Okay so say you have a secured card like Discover and the limit is $500. You would spend about 480 estimate, pay just 478 before the closing date and then pay off the rest lets say 2 days before the due date to increase the credit score correct? Or is it different with a secured card? Also, does that mean the "0%-9% Excellent/10%-29% Good/30%-49% Fair" etc label is false?

NOT IN "SECURE" CREDIT CARDS??? Because I have two secure credit cards and I keep it both under 9% of that $500.00... The man from Indianapolis, that's trying to build my credit score...607 credit score ..

Is it ok to pay your card off daily?

hopefully my limit goes up soon my credit just went down 50 points !

Ok i have a account with fingerhut they gave me 180.00 limit. I only used 135.00 of it . i haven't received my first statement yet but it shows on my account that i have 0 credit available. What's the best way to handle this ? I'm trying to repair my credit my score is in the low 500's. Do i need to pay it off ?

Question I have a 300 Credit card limit. I spent the 300 dollar and before my statement come, I put 250 back and before my due date I pay the 50 dollar. Is that ok?

So how much should i spend with 500 credit limit im just starting

hey so i have a credit card secured with a limit of 200$ are you suggesting i max out the 200$ what does it mean not to carry over a balance? do i max the 200$ limit then pay back the 200$ a day before using on my statement im just confused i have been trying to figure this out all night because i'm actually wanting my score to go up rather down