Unpopular opinion: I avoided credit cards out of fear, but charging regular expenses like gas really improved my credit rating!

4 comments

4 Comments

My score went from about 400 to 720 once I started doing the exact same thing. For years I thought all debt was bad debt and it really messed up my chances for a car loan. The fear is totally real, especially if you saw family struggle with bills. The trick is to pay it off the same day you charge the gas, so you never actually carry a balance. It feels scary but it honestly works.

luna2611mo ago

Yeah, that fear is totally real. Using it for gas and paying it off fast is the way to go.

diana_wright1mo ago

Totally get this, did the exact same thing with my groceries. It feels weird but it really does build up your credit history fast.

ivan4621mo ago

For years I stayed clear of credit cards, convinced they led to trouble. Everyone around me warned about interest and debt traps. But reading about credit building made me try using one for daily costs. Now I charge things like gas and pay the bill right away. My credit rating has gone up over time since I began. It really helped me see credit in a new light.