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24 Looking to build Credit... What are some good tips on your first Credit Card - Page 218

post #6511 of 6517
Quote:
Originally Posted by BeezyGotSole View Post

Quote:
Originally Posted by nrg1604 View Post

Damn my score dropped 40 points cause I put my medical bills onto the CC. Forgot to even think about it.

Will be back up in a month if paid off.
Yea I should have paid it off before it hit the statement so it doesn't mess up my utilization.
post #6512 of 6517
Thread Starter 
Quote:
Originally Posted by NikeAirForce1 View Post


yes. limited to 6 cards every rolling 6 months

$2999.99 weekly sending limit

hold on, so in regards to Amex gift cards do those accumulate cashback/reward points for other cards aswell?
post #6513 of 6517
Quote:
Originally Posted by nrg1604 View Post


Yea I should have paid it off before it hit the statement so it doesn't mess up my utilization.

If it already dropped 40pts and the statement hasn't cut yet, something else caused your score to drop. 

Utilization is only reported once the statement is cut.

post #6514 of 6517
Quote:
Originally Posted by BeezyGotSole View Post

Quote:
Originally Posted by nrg1604 View Post

Yea I should have paid it off before it hit the statement so it doesn't mess up my utilization.
If it already dropped 40pts and the statement hasn't cut yet, something else caused your score to drop. 
Utilization is only reported once the statement is cut.
No it has. This was last month.
post #6515 of 6517

how many credits cards should i really have? so far have one secured and one credit card on its way. thinking of getting another one with my credit union. 

post #6516 of 6517
Quote:
Originally Posted by hhaze View Post

how many credits cards should i really have? so far have one secured and one credit card on its way. thinking of getting another one with my credit union. 


that's more of a personal preference, but I recommend having at least 2 (in case something happens with one account you aren't stuck without a card to use until the problem is resolved).
post #6517 of 6517
Quote:
Originally Posted by nrg1604 View Post

Damn my score dropped 40 points cause I put my medical bills onto the CC. Forgot to even think about it.

Why does it matter what you spend the credit on?  As long as I pay it off, it should boost your credit score right?

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