Got a USAA secured card for $250 back in Jan of this year(2026) does USAA automatically upgrade at 6 months or does it depend? Always paid off in full, no late or returned payments. Credit score increased by 80 points since I got the card initially
Road to rebuilding my credit. Not doing bad so far. Question is about my discover card. I just opened it about a month ago. But it says there’s no payment due this month(May 10th) so it’ll probably end of being due next month June 10th. Discover reports on the 13th of each month for me. So should I pay it all off so $0 reports on my credit or pay it down to 10%? Either way the actual payment isn’t due yet but it’s more for my credit profile sake. (Current balance is $167)
Anybody else done this before? How’d you make a plan of attack? For reference I have 1 night job and 1 day job, plan of attack is to reduce all my spending and use the salary from my day time job to pay out down. I have about $41k outstanding. I figure if I pay $3k per month I can have it paid off in 2 years. Does this overall help my score?