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[-] cAUzapNEAGLb@lemmy.world 8 points 3 weeks ago* (last edited 3 weeks ago)

Just as a heads up, you dont need to carry a balance and be charged interest - you can pay off your cards each month, and thus never accumulating interest, and still have an improved score; simply pay the statement balance before the due date

[-] Tower@lemmy.zip 3 points 3 weeks ago

I've seen people have their cards cancelled for doing this. Rare, but not unheard of.

[-] twack@lemmy.world 7 points 3 weeks ago

If you're doing that you have zero need to bow to any single credit card company.

I don't even read 90% of the credit card offers I get, I have plenty of cards, and they are all at zero. Go ahead, cancel me. I'll have a new one in 15 minutes.

this post was submitted on 03 Feb 2026
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