This Payment Strategy Got Me A 800+ Credit Score

Рет қаралды 5,329

4 ай бұрын

In this video, I will show you EXACTLY the Payment Strategy Got Me 800+ Credit Score.
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Пікірлер: 31

@katel3962 4 ай бұрын

I have all my credit cards' closing dates in my phone calendar with a 5-day reminder. Easy to do, enter the date once and then select repeat every month.

@NaamWynn 4 ай бұрын

That’s awesome! 👏🏽

@louisejones9253 4 ай бұрын

Same! 🙌

@chelechele2145 4 ай бұрын

I usually pay all of my credit card bills the first week of every month...but may use them in between...maybe that's why I'm not getting that maximum credit score increase. Should I pay my bills 3 days before the statement closing date on each account?

@traybern 5 күн бұрын

DUE DATE is the important one. NOT the CLOSING(aka Statement) Date.

@John-Jay-Allen 2 ай бұрын

That Paying Off the CC 2-3 days before close Date and not using it till the Day after Opening Date.

@traybern 10 күн бұрын

DAMN, you’re DUMB!!! ALL you need to do to do is PAY the CLOSING DATE BALANCE before the DUE date. NOT before the CLOSING date!!!

@michaelswami 4 ай бұрын

I pay off everything every month but let one small balance report on one card per month. I find when I pay them all to zero, my score is 10 to 15 points lower than when I allow a small (say $50) balance report.

@NBCLLC 4 ай бұрын

Yes indeed, I did this on purpose, to let it drop ,but you get those points back in one credit bureau cycle. Downside is losing that reporting month. Staying under 10-6% is the lowest you can have it(imo) ,unfortunately if your credit score is 750+ from what I'm noticing.(my personal experience).I have very high credit cards limits, it doesn't matter. When I forget and pay off my credit cards to zero balance I get a 20 point hit everytime, I have to remind myself to pay it just past the statement balance that's due.

@barbieamica2023 Ай бұрын

I have some questions. Is the best option to have a small amount less than 10% reporting for each credit card or as a total of your credit cards? And when do they usually add interests? My goal is to have good credit

@michaelswami Ай бұрын

@@barbieamica2023 I let a small balance report on one card each month. It’s usually one to two percent. I pay all the rest before the reporting (statement) date. On you card statement it will tell you when you must pay by to avoid interest charges. I have never paid interest on any of my cards and I am now near 800 FICO score.

@josephfriedrich9792 4 ай бұрын

If a current cc is offering a balance transfer(no hard pull, and has 2 times the avaliable credit limit) would you take it? It would stretch out the payment, pay NO intrest, and lower the overall utilization, as it's has double the avaliable credit.

@NaamWynn 4 ай бұрын

Yea I would take it. Just factor in the balance tx fee.

@hova1983able 2 ай бұрын

For those lacking cash flow, how do you prefer to prioritize paying down credit card debt when you have multiple accounts? The debt snowball method? Or the debt avalanche method?

@traybern 5 күн бұрын

@@hova1983able Snowball is RETURDED!!!

@m.ehtizan 4 ай бұрын

Hey Naam, I just watched your video and I must say that it was really informative and well-made. I was wondering if I could help you edit your videos and repurpose your long videos into highly engaging shorts? I can also make high CTR thumbnails for your channel

@consult_Naamwynn-outlook-com 4 ай бұрын

I'm available for Qs via my above address

@AB-oi7ov 4 ай бұрын

I was thinking to pay my mortgage then put the last amount of my taxes to my NF credit card

@NaamWynn 4 ай бұрын

Sounds like a plan

@AB-oi7ov 4 ай бұрын

My balance was 5148 148 over my balance so I just paid all but 799.39 my closing date is the 11th

@consult_Naamwynn-outlook-com 4 ай бұрын

I'm available for Qs via my above address

@richardstratton7257 4 ай бұрын

Why does my credit card statement say to avoid being charged interest? Pay the new balance in full by the due date. I'm confused about all this.

@NaamWynn 4 ай бұрын

Just pay the new balance credit card due date to avoid interest. It should be on the statement of the amount.

@traybern 10 күн бұрын

@@NaamWynnDIPSH1T!!! NO ONE EVER pays a DATE!!!!!

@Turnip_Tyme 4 ай бұрын

1st

@NaamWynn 4 ай бұрын

Let’s goo!

@traybern 10 күн бұрын

You LIAR!!!! DUE date is NOT the CLOSING date!!!!

@NaamWynn 6 күн бұрын

I'm pretty sure I mentioned the difference.

@traybern 5 күн бұрын

@@NaamWynnDAMN, you’re STUPID!! The DUE DATE (5 days before the NEXT Statement/closing date ) IS the important one. PENALTIES and INTEREST will SLAM you if you DON’T pay by the DUE DATE!!!!