APPROVED!!🥺🤭

Don’t spend what you can’t paid!!!!!!😔 and don’t use more than 30% of credit

I started with a $500 unsecured Capital One card. They increased it to an $800 secured card & returned my $500 deposit. Then my next increase was to $4,000. Here is what I did to get those increases & help raise my credit score 1. If you don’t have the money in your bank account when you make a purchase, then don’t swipe your credit card. I live by this so I don’t spend what I don’t have. If you have the money in your bank account or will have enough to cover the purchase when you get paid again (at least 2 days before the billing cycle end), use your credit card then make a payment on the card a few days later (after the transaction has posted) This practice shows them that you use your card responsibly and have the funds to pay it off. 2. People say keep your utilization under 30%, which is cool but that’s like the max utilization you want to use so 15-20% max utilization is better. Try staying closer to 10% utilization or under though. 3. If you NEED to use the card & don’t have the money to pay it down before your next billing cycle ends, then don’t swipe that card again until you’ve either paid off your previous balance or gotten it under 15% utilization. I say 15% because if you HAVE to use your card, you’ll have 15% of utilization to play with before you hit the max 30% utilization you want to use each billing cycle & I don’t want you to stress about getting it 10% if you can’t at the time 4. You may do this already but it not, create a monthly bill sheet with due dates and what check that bill will be paid from. For example, I get paid biweekly so for May, I get paid 5/2, 5/16, and 5/30. So bills that are due between 5/2 through 5/15, I’ll be paying that with my 5/2 check) My CC bill is due on the 19th so I’ll pay it using my 5/16 check but if I see that I have some extra money from my 5/2 check, I’ll pay on my CC so that way I don’t have to pay all of the CC balance from my 5/16 check. I hope that makes sense. I wish you the best with your card 💕