Preach Bruh! So happy I came across your video! During the pandemic I wanted to rebuild my credit so bad and have a new life by the end of this year that would benefit me , my family and my business I opened during the pandemic! I paid someone over $1000 to rebuild my credit and they started the process but ghosted me! I started doing my own research and Linux Tech Corps popped up on KZread ! I’m now building my own credit back up and I have 3 medical collection’s account to take care of and thanks to you , I know I can handle those! *Linux Tech Corps* were so useful and You’re such a blessing!

Thank you for the video! I have had a passion for credit repair for a long time and I’ve helped a couple of people. I’ve even thought about starting my own business. Listening to you and seeing your passion has lit a 🔥 in me and learning from and using *Linux Tech Corps* . I have watched this video a few times just as motivation. I call it my “Victory Lap” video because you are spreading Nips message by following it! Thank you and keep pushing! Proud of you!

I love this channel. So much valuable, free info. Thank you!

@NaamWynn

3 жыл бұрын

Glad you enjoy it!

Thanks for the video man. I going to start paying more attention after this video. I going to also try your test as well, 😀😀😀

Thank you for your service

Great stuff!

It's funny how we do things like getting credit lines to improve your credit and then we finally get to a really good score we try our hardest not to use any of the credit lines. We go get credit that a fiscally responsible person won't use. Its ironic.

Great video thanks

Thank you 🙏

Thanks a lot

Hi Naam love your video's I appreciate your tips they are so helpful Do you have a video on How to remove student loans

I love your channel!

Ayyy 839 here!!! thanks for the videos! u rule

Awesome video explanation; i usually pay 3 or 4 days before closing date and leave like 10 or 20 bucks; after it gets reported , I pay it off the same week before the due date. I actually have a spreadsheet ~~

@NaamWynn

3 жыл бұрын

Damn a spread sheet? Thats awesome! Let's go!

yo bro! thank you for this! as a veteran to another much love! SEMPER FI

@NaamWynn

2 жыл бұрын

Semper Fi!!!!

God bless you brother!

Well I have been doing this ever since I got my card..I am glad to see that I have been doing the right thing!! I use my card all month then prepay my balance down a few days before my statement closing date to keep my utilization rate well below 10%!

i use my card to pay all my bills… then pay it right away… now i get like $50 a month cash rewards & 820 score

@barbieamica2023

2 ай бұрын

Question, does it mean that you always have a utilization of 0% reporting monthly?

Thanks

Thanks for all of the info that you give, Sherry!! I found your channel and have become very educated as to how credit works. Looking forward to the webinar!!! Saw some info on Diamond Chanel's channel; is she your daughter? I will also subscribe to her channel as well; just wanted to make sure it wasn't a scammer, lol. I am grateful for your platform; so many things not aware of in the past now trying to get it right. I will be 59 this year so my goal is to become more credit savvy before I reach retirement. I was about to sign up for credit repair with Lexington Law and lucked up on *850 FINANCIAL ASSESSMENT* ; look at GOD!!!

Love the great content you give man! Keep it going, education is endless.

@NaamWynn

3 жыл бұрын

I appreciate that!

VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but *850 FINANCIAL ASSESSMENT* info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well

👏🏾👏🏾👏🏾👏🏾👏🏾 Thank you! Keep up the good work brother.

Interesting. I just pay the bill and go on about my business. Was told by someone once about leaving a small amount and paying a few days before and after but honestly sounds like too much to do. Right now my credit score is at 802 and I just got another card with AMEX and one with Apple.

I used to pay off everything on all my cards before the statement closing date and my credit report was littered with zeroes. Problem was, the algorithm credit reporting agencies use thought that I wasn't using the cards at all, and some went as far as to think I'd closed the cards and hence lowered my scores. I started leaving a 1% balance before the statement closing date on all my cards and my scores jumped between 16 & 35 points! I now pay the remaining balance before the due date and the credit agencies now show card activity.

@sevo12t

2 жыл бұрын

Are used to do this before and that is the same thing that happened to me so now I leave at 1% and I know he’s working so I don’t know about the strategy that he’s telling us

@zalaelle190

6 ай бұрын

Thank you for sharing this!!! I literally paid my card balance off in full, hoping that would help my credit score. If I don't see a change when equifax updates my score. I will use this strategy next month by leaving 1%. Geez! I wish they taught us this earlier

Semper Fi Bro

@Scarlett0311

2 жыл бұрын

@Nàáñ Wyñń-----Youbutè done Brother *subscribed*

Here comes all the bots and credit card guru's who do not have their own channel to give information but wanna fill the comments on what has worked for them. 🤣

@NaamWynn

3 жыл бұрын

Lmao

@michaelreid8857

3 жыл бұрын

I’ve just given some solid info and I will challenge you to find fault in it! I also back my advise, with facts! Sorry I don’t have my own you tube channel! Moral of the story, don’t pre hate. At least listen, then debunk it if it’s not good advice!

@josephwilliams2901

3 жыл бұрын

@E92 M3 joeie KZread Guru's are 🤓

As someone trying to build their credit I think credit utilization is joke. The amount of points I lose for using like 25% of my allowance is ridiculous. I been teetering on 700 for the last several months.

@NaamWynn

3 жыл бұрын

Yea, its a double edge sword

@TriWaZe

3 жыл бұрын

@@shawndoe6843 Will suck when I'm trying to build credit. I recently signed up for 2 cards and my overall allowance is 6500. If I keep applying for more Im just going to lose more points.

@michaelreid8857

3 жыл бұрын

Your points drop when new credit hits your bureau report. However, this is temporary. Normally within 2.5 to 3 months will see it recover. I just got three new accounts and my FICO took a tremendous nose dive! Credit utilization is real. If you don’t believe us. Try it out for yourself. Try one month with only a small amount of $10 owed and reported. Then next month let your card report 50% or more owed. However make sure all other factors are the same. Don’t have inquiries during this time. The reason I say to have the large balance last is to eliminate the account longevity factor!

@deemitchell7987

2 жыл бұрын

@@shawndoe6843 Instead of giving credit advice, you boast.smh. sharing information is key in this forum, not to brag. Good for you but your comment sucked wind. As you were

I'm Kramer a credit analyst i deal with removal of all negative items, Authorize user link up and even CPN....

True, manage your money right, make the right moves, i have over 25k in cc debt. and maintain a 785 credit score. cc balance is at 55%

Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *Linux Tech Corps* to my friends and people I know regarding any credit situations

What is blowing my mind is when he said if you have a credit card with $25,000 on it.

@vibesaddickentertainment9777

2 жыл бұрын

25k is easy to get

I know I don’t usually comment I like your channel but I need some advice on my credit cards one of my credit card which is capital one already reported a high balance and the other card is about to get reported soon

Thank you so much for your inspiration! I have traveled a similar path, 2 college degrees, multiple jobs including credit problems. I am now 65 years old and have found my purpose in life. Currently in the process of starting my own business. May God continue to bless you and May He continue to bless *Linux Tech Corps* for me for every successful deal we conducted

Can you talk about Buying Tradelines ?

20-30 cards wow!

The last 6 years I have been getting a new card with 0% apr 12-18 months Every year. I would max out card till interest started then pay in full with savings then repeat.

@GeishaDoll

3 жыл бұрын

Is the purpose of this to build credit??

@joeyork9891

3 жыл бұрын

@@GeishaDoll no to pay no interest. Carry a monthly bill with 0% interest

In relation to this: I pay all but $5 every paycheck, and I have autopay set up to pay the balance by/at the statement due date. Is this a bad option as well? Should I just keep paying it off every paycheck instead?

@NaamWynn

3 жыл бұрын

No, this should work perfectly.

You are both right and wrong at the same time. Carry a zero balance PIF( before due date or after) is very good Financial discipline. However, at some point you have to show the algorithm your ability to pay... your ability to have a balance and pay it off.

I did the strategy and on the credit report they told me that I’m not using this card because I paid it all down to zero when in actuality I’m using the card but I just pay the balance and I end up with zero so when it gets reported they think I’m not using the card

At 34 years old I finally feel ready to settle down long enough to buy a house. Unfortunately due to previous horrible stupid life decisions, I'm forced to start with a zero balance in my savings account. On the bright side, the huge amount of debt - consequence of those bad decisions will be payed off next month! 🥳 It's never too late to start saving like there's no tomorrow, and I'm really REALLY excited and motivated. Oh and Marvin, fyi my emergency fund is also a done deal! by *Linux Tech Corps* lol, i didn't made it myself

In Africa we don't have credit, you have to buy your stuff straight out cash, thats why us in Africa is rich, we don't pay taxes each year on land either, once you purchase something it's yours

@RCXDerp

3 жыл бұрын

The smart people don't pay tax though

@teacheschem

3 жыл бұрын

That’s great! I need to move there. I already have a couple of friends considering Ghana.

Just to make sure that I understand. Of course payoff the balance on the due date to avoid interest however, I was under the impression that between the due date and the statement date is to spend less than 8% so that that amount would show on the credit report only. Are you saying now to simply keep it at 0 regardless of reporting period?

This video confused me even more so much. New to the credit building scene..

People, READ THIS 💯 TRUTH. If you carry a balance you pay interest on all new charges. The banks love you but loose ant respect they have for you! If you pay off the card PRIOR to the statement date it appears your not using the card. Your FICO score suffers. Pay off as much as you can while leaving a small balance prior to the statement date. Then pay it off totally, prior to the due date. Also by making multiple payments on a card. Your screaming that you deserve a Credit Limit Increase! The Banks should notice that.

@SegaDisneyUniverse

3 жыл бұрын

Ooh, so maybe that's why one of the reasons my score has been going down. All of this mumbojumbo is new to me because I'm a complete newbie to credit cards and have only been using one for over a year through my bank. I'm just now learning all this since I was wondering why my score was going down despite paying the minimum balance (early) each month.

@michaelreid8857

3 жыл бұрын

@@SegaDisneyUniverse you want to try and pay off all that’s due. Then use it again!

@WeBeatMedicare6969

Жыл бұрын

*lose

I recently purchased my first home in June I was working on it since 12/2019 until 6/2021 I build it up from mid 4’s to high 6’s for some reason I get denied for everything and now I’ve lost so many points so fast until *850 FINANCIAL ASSESSMENT* made me look superior to the lenders lol

If I pay off my credit cards and leave a zero balance my score drops 20 points. If I pay off two and leave a 1% balance overall my credit score stays the same or improves slightly. The question is how to really improve my credit

Lord God give me Favor in Divorce Court tomorrow. No more ABUSE! Lord send miracle money to relocate your child to a peaceful land and never come back to ABUSE. 🙏🏽Amen

Funny thing is my credit score actually kept going up having a small balance on there just paid it on time

@WeBeatMedicare6969

Жыл бұрын

Paying off down to 0% my score went down…I leave 1% on all 4 CC and that works best…

What app were you using to check your fico score ?

@NaamWynn

3 жыл бұрын

Navy Federal's FICO 9

So you leave $5 remaining till your statement date, and on your statement date which in your case was the 13th, you pay the $5? Or the day after your statement date you pay the $5?

@NaamWynn

3 жыл бұрын

You pay after the statement date. In this case Aug 14th.

Damn even when I carry balances I still get credit limit increases every year without asking through Discover. When I say carry balance I mean no more than $80. I rarely pay off my Discover. A balance usually stays on it and I pay the min. payment.

When you say once your more than 30 days late they will report it to the credit score department Let’s assume your grace period is 25 days Is 30 days late as in 5 days after your grace period (25 days grace period and 5 days over grace period) Or is it 25 days Grace Period and 30 days after that so 55 Days in total

This is one of the most strategic, insightful videos I've watched in years I am BLOWN away. I am working on writing an app to help people learn about surprise medical bills and how to avoid them, and I am going to site you and your tips in my app. Thank you SO much, you are a gift to so many vulnerable people I know it. And *850 FINANCIAL ASSESSMENT* is a gift to get the American's credit back in track

A lot of ppl say to keep a 1 to 10%. Balance every month

Naam make a AZEO video please

For me, I plan to pay my credit debt off before I start new strategies using them again, the right way.

okay so what about a big ass purchase like 10,000 where i pay 150 a month? i cant help but have a balance on that month after month

What kind of services do u offer ?

@erisskelton4832

3 жыл бұрын

@@rickitarrealtorcreditrepai3245 scammer

$3000 is "carrying a small balance"?! Do you think everyone is rich and considers that a small balance

@dominicpurnell2899

3 жыл бұрын

I was thinking the same thing 😂😂😂😂

@Dougie19xx

3 жыл бұрын

Right!!!! 😭😭😭😭

@reddragonstudios1

3 жыл бұрын

I was gonna say he needs to maybe think about other people and not himself, 3K is not small by no means, now to a usual youtuber thats probably pocket change, but to the normal 8-5er thats ridiculous

ok

Call all the credit card companies and ask that your closing date, billing date / payment due date, and credit reporting date all be on the same day

@jopimp14

3 жыл бұрын

That’s easy to do on one card, but I’m not sure if all the other cards will let you use that exact same date? If not , then at least each card will have one specific day / date where they do all 3 things. Which should make it easier to follow and raise credit scores

@GregoryMorales-uo6ze

3 жыл бұрын

You can't because the closing statement date changes between a day to 3 days differwnce each month so that wouldn't work out

I have a question, I was taught that having a 30% of less credit utilization rate was ideal. So is the first double payment technique you were talking about best for people who can't raise their credit limit high enough yet to stick within the 30% rule? It struck me as a slightly more confusing and harder to keep track of way of paying your credit card otherwise, rather than just paying it all before the statement due date.

@infidel815

3 жыл бұрын

Keep utilization between 1-3% for best results! 10% or under is good and under 30% is ok. If credit limit is $1,000 I'd keep it at $100 or Below. I always shoot for 1-3% to max out my fico score.

@howtoadultschool

3 жыл бұрын

@@infidel815 Interesting! I was even shocked by the 30% rule when I first learned it.

@cd5205

3 жыл бұрын

Agreed. 1-3% is best. At 30% my score drops a lot, at 20% a little, 10% hardly a scratch, 1-3% my score feels nothing.

@slumpedblossom1245

2 жыл бұрын

Wait I keep mine 30 or under and my score is always increasing I'm at 786

What if i pay credit to credit and yet still pay more than minimum amounts due..? Lets say 30 minimum I pay 50

Thia was the exact thing I wanted to know lol

So find out what your card's closing date is, then 3 days before that date pay off 95% of the balance, then wait for the closing date or after to pay off the rest of it.

@rickitarrealtorcreditrepai3245

3 жыл бұрын

naawynn89

@erisskelton4832

3 жыл бұрын

@@rickitarrealtorcreditrepai3245 scammer

..man I carry a small balance..i never get charged intrest..cause i make lile 4 big payments a months..paying off transactions throughout the month..its prob a good idea to leave a balance so they know you are using..but i already have good credit..so..

What I didn’t hear is what if you have zero interest payments lol

Marvin - may I suggest you make *850 FINANCIAL ASSESSMENT* correlating this to the United States Credit Scoring System; you know, the system where an entire nation's people are enslaved by their government over systems exactly like this? We need people who have influence to bring to light these types of correlations to get people asking and thinking or we will see ourselves slip into a tyrannical nightmare.

@0:17 all the ladies slide into his dms lol very informative.

Carrying a small is always bad...u are paying interest and then if u pay it off they want u to pay Residual Interest. Your credit score varies by Credit Agency and fluctuates almost weekly regardless. Bottom line, pay in full monthly.

📈 Sign-Up for Grow Credit Here 👉🏾 bit.ly/3IyjPaN

@RedRider1600

3 жыл бұрын

I make it a point to have at least one of my cards or credit lines show a small balance, usually two or three. And I usually change it up between my 7 accounts, not always using the same accounts. Usually I leave a balance between $10 and $50 on each of those 1 or 2 or 3 accounts. If all my cards and credit lines show 0, I get penalized by 16 points to 23 points for not using my credit. I think it is also a good idea to show a high credit card usage 30% to 50% every once in a while to show that you do use large amounts of credit to make sure that they don't decrease your limits and give them a reason to give you higher limits, especially on small limit cards and accounts of $1,000 and $2,000. My largest card limit is only $6000. I hope to get 5 or 10 more cards in the next 5 or 10 years, with limits in the 10k to 15k range. I don't need or want cards larger than that. Not carrying a small credit card balance is a HORRIBLE idea.

@GregoryMorales-uo6ze

3 жыл бұрын

I think it sounds like you should alternate from 0 balance 1 month to 1% utilization the next and alternate each month from 0 to 1%. Is that a good strategy??

@GregoryMorales-uo6ze

3 жыл бұрын

Another idea is to keep bringing down the balance by 1 penny less each month for example my closing statement was $20 and the following month I make it so it's $19.99. As long as its 1% of your utilization rate. Another strategy I'm not sure about is if you alternate each month from a zero balance to 1% utilization rate. Let me know what you think

@RedRider1600

3 жыл бұрын

@@GregoryMorales-uo6ze The very small balances that I have usually show up as 0% usage on my limit total. It doesn't even register as 1%. By 0, I think you mean have no small balance at all. Like I said, if I don't have at least 1 credit line with a balance, my credit score takes a drop of about 20 points (FICO8).

@RedRider1600

3 жыл бұрын

@@GregoryMorales-uo6ze Unless you think dropping 20 points every other month is a good idea, I don't think alternating is a good idea.

This could be helpful if you're trying to increase your credit score but I don't really see this being useful if your score is already in the "excellent" range. There is not an "uber excellent" range to my knowledge so gaining a few more points really isn't going to provide any significant benefit. It's just bragging at that point and a waste of time imo

Does this still apply when you are in the 0% APR rate promotion for 10- 15 months when you first open a credit card?

@NaamWynn

3 жыл бұрын

You still would want to pay for the minimum, but your credit should go down since you have a higher utilization rate.

@seanr.7349

3 жыл бұрын

@@NaamWynn OK I usually pay way more than the minimum but I do carry a balance over but I pay no interest on it because I’m still in the promotional period once I am out I plan on paying in full every billing cycle. Should I still be ok if I keep my utilization under 15% of my credit limit ?

@codykh

3 жыл бұрын

Naam Wynn, can you please clarify something for me; If I have a 0% APR for 12 months, my credit limit is $5000. If I owe $300 (6%) and pay $50 dollars each month on it. Paid down in 6 month. Is that not an efficient way to build credit fast? I will take your suggestions very seriously if you'd help me understand this. Thank you!

@seanr.7349

3 жыл бұрын

@@codykh good question I want to know as well

@GregoryMorales-uo6ze

3 жыл бұрын

@@codykh Yes that will work but it is a slower method IF your credit is already really bad and you can't make big enough payments to leave a small balance behind each month by the closing statement date. However if you want your score to improve faster you want to keep your utilization rate 1% or less each month by the closing statement date and there is another way of going about that as well.

I'm so confused 🥴

It is outrageous that consumers must jump through hoops and monitor their lifestyle to ensure they are living their life to satisfy their credit score parameters. It’s a mystery and the only way to glean any understanding is through YTubers like Naam who give us great information. But, shouldn’t the Credit Bureaus be more transparent. Shouldn’t they be giving us detailed info. Banks have algorithms, so they carry a big stick. Madness if you ask me, and perhaps a collaboration between banks, interest charged, and money collected.

After I saw this video I paid my small balances of $2 off and it dropped my scores 20 points

Lol credit Jiujitsu

Mike from the credit game says leave 2% 🤔

@NaamWynn

3 жыл бұрын

Tbh, little to zero is optimal. I rarely leave a balance at the statement closing and my credit score has been pretty good.

@bearbear4030

3 жыл бұрын

@@NaamWynn I don’t carry a balance. The minute I do, my score drops until 6 weeks later. Zero utilization for Me! I pay everything before it has a chance to post!

@michaelreid8857

3 жыл бұрын

@@bearbear4030 try paying all but $10. Then pay off that $10 before the due date. Mix up the amounts slightly each month. Better strategy and your FICO score will increase!

@portmurphy1

3 жыл бұрын

@bhoomi kinger how ?

I payed off my cards and destroyed them. Great credit at bank. Not going to be a slave to cards.

The video makes perfect sense, but the title is slightly misleading and a tad clickbaity. Alternative title: "Why you should pay down your balance before the end of your cycle".

I allow a 1% balance to report on a single card every month. I pay it by the due date. FICO says this is optimal.

@scottco1

3 жыл бұрын

This is the way

@michaelreid8857

3 жыл бұрын

Exactly! Also multiple payments throughout the month, can trigger credit line increases!

@Kenyacannn

3 жыл бұрын

@@michaelreid8857 💯💯💯

@GregoryMorales-uo6ze

3 жыл бұрын

There is a small problem which is let's say you have $20 left on your closing statement date which is 1% or less of your utilization rate one month and then the following month on your closing statement you have $25 even though the $25 is still less than 1% of your utilization rate the credit buroughs will still deduct from your credit score cause it went up even though it's a small amount and still under your 1% utilization rate. The work around for this is to bring it down VERY SLOWLY. For example you go from $20 one month then leave a balance of $19.99 the next month so it will bring up your credit score. Another option is to alternate between having a zero balance one month to 1% or less utilization rate the next month.

@scottco1

3 жыл бұрын

@@GregoryMorales-uo6ze 0% utilization will 100% drop your score. Also the total being 1% and less than $100 is how to maximize the fico... It doesn't matter going from 20-$25. The percentage matters > than amount. Utilization is elastic anyway. So even if it goes up or down it will rebound once the newest balances are reported by the card company. (Fico 8 and below) fico 10 looks at trends over the last year or 2 if I'm not mistaken so utilization may not be instantly elastic like in older fico models.

I've had a perfect credit score (850) multiple times. I have autopay set up on all my credit cards to pay the balance in full. I think trying to remember to pay it monthly is a disaster waiting to happen. Life happens and you will forget or pay late. I don't worry about utilization because I have $73000 total credit line across 9 cards. You can engage in the strategy mentioned in this video if you need to apply for a loan.

Honestly your method is more work than keeping a small balance. Time is money

Man it's so much mix reviews on this topic lol. At this point I'm rebuilding my credit back up and honestly I'm just going to keep paying off my credit cards every month. Maybe after awhile I'll try leaving a small balance on my statements but I don't want to play that game at this point right now lol

@michaelswami

3 жыл бұрын

I agree with your approach. Once you’ve rebuilt, then you can implement the fine tuning.

@michaelreid8857

3 жыл бұрын

Never leave a balance. The card issuers will charge you interest on your new charges and besides that. They will loose all respect for you.

@bex6776

3 жыл бұрын

Don’t leave a balance …pay it in full and then once you do, charge something small so you invoice with a balance but your statement balance is paid so you don’t get charged interest

For years, I've simply paid off my entire balance. Even at the beginning, it wasn't difficult to get a 750+ credit score. Two years in, I had an 800+ credit score. You don't need to carry a balance _at_ _all_ . If you're using credit, and paying it off on time, your credit score will increase. Just ensure you're using less than 1/3 the limit on each card, and you're set. Periodically, ask for your credit limit to be increased to facilitate this. This may come with a hard pull (which may _seem_ counterproductive), but it will benefit you greater in the long run by helping you stay under 1/3 utilization rate.

Damn, can’t believe all the spam in the comments! 😶

Dude, that's too much work to remember. Just pay the balance off when the transactions get posted to your account.

@NaamWynn

3 жыл бұрын

Haha truth!

@abthadonbeatz

3 жыл бұрын

Lol that's what I do! Don't want to have to remember to do it later.

*850 FINANCIAL ASSESSMENT IS THE ONLY CMPANY THATS CERTAIN TO GET YOU DESIRED AND GUARANTEED RESULTS WHEN IT COMES TO THINGS LIKE THIS , I DONT KNOW ABOUT THE REST HERE BUT THESE GUYS ARE COMPLETELY MAGNIFICENT NO BS*

Once you pass 30 percent credit utilization your credit score drops

Credit is literally a game you have to time everything just right to see the proper results.

Zero balance is the best that's how I built up my credit

Pay off the balance before the due date. Only spend what you can afford to pay back.

@howtoadultschool

3 жыл бұрын

good basics of healthy credit card use 👌

Credit scores is a scam.

This is inaccurate information you don’t pay interest if you pay the statement balances

@NaamWynn

3 жыл бұрын

Thats correct, its only when a balance get rolled over to the following cycle. I'm pretty sure I mentioned it.

STOP saying "closing date", there is no such thing. There is only a "due date" and "statement date". STOP saying "closing date". It's DUMB.

@NaamWynn

3 жыл бұрын

As dumb as this comment. 😂

Uncle Mike from the Credit Game says 2% leave a balance.

@michaelreid8857

3 жыл бұрын

But he also will tell you to pay off that 2% prior to the due date!

You should keep $10.00 in and not have a zero balance or close the account...this guy is full of it.

Blaa Blaa Blaaa, pay your statement in full, don't spend money you do not have. As soon as it shows a balance on your credit card pay it. The End, you are welcome. smh.

Are you faking being a wasp guy just like the other Wynn?