Wanting to build already good credit.
I have 2 credit cards: Discover (Credit Limit: 5k) and Chase Freedom Unlimited (Credit Limit: $1,250). I have a credit score of 750 (FICO). Never missed a payment, only have just about 2 years of credit history. No loans.
Okay so now down to my habits. I purchase everything on my credit cards (got myself in a lil hot water, high utilization on my Chase cause I used too much of credit card during that month, completely paid off), I pay off my cards complusively. Checking each day, and paying if I see anything. I never usually have a statement balance of more than $80 (if that). Any tips for me? I have a stable income, btw. Thank you so much :D
Posted Dec 7, 2025, 11:41 PM UTC
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