u/Busy-Mirror1964

Hello,

So I have three credit cards.

One I don’t use at all.

I have the other two cards that I use.

One Indians guy I met told me that only pay minimum balance every month. I came to America like 2 years ago almost .

I maximize my credit and I pay it off in full asap.

My question one is it good
To pay off card in full asap? People say don’t do it.

Question 2: people say don’t maximize the cards. But I want to get more like points and cash back. What’s the point of only keeping 5-10 percent utilization?

My credit limit is 2k.

Need some help to go from 620 to 750 plus.

Thanks all

Hi,

I have my credit score at 620.

I use 3 credit cards and I like max them out and I pay it off.

People said you shouldn’t do this your utilization has to be low . If I don’t use the card how will I like make points etc.

My limit is 1000 on each card.

What should I do? I want to like make more points on my cards.

Is there a credit wiki I can read?

Thanks