Unpopular opinion: I avoided credit cards out of fear, but charging regular expenses like gas really improved my credit rating!

2 comments

2 Comments

My score went from about 400 to 720 once I started doing the exact same thing. For years I thought all debt was bad debt and it really messed up my chances for a car loan. The fear is totally real, especially if you saw family struggle with bills. The trick is to pay it off the same day you charge the gas, so you never actually carry a balance. It feels scary but it honestly works.

diana_wright4h ago

Totally get this, did the exact same thing with my groceries. It feels weird but it really does build up your credit history fast.