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galleryseek · 09-26-2005, 02:02 PM

Finally got one (i was approved for $15k at 0% interest for a year and then around 14% after that year... with only a month of credit history but whatever)..

I use online banking and it gives me my exact balance that I can choose to pay any time...

1. Is it *best* to only make purchases on it that you can pay off within that month? and if so, does it effect your credit score positively if you can pay it off before the due date? Example: I go buy something for $200, and 3 days later I login and make the payment for $200.... opposed to just waiting for the bill to come and paying it then.

Basically I want to start building as much "positive" credit as possible, as I'm looking to move out / get married by spring / next summer.

Thanks.

09-26-2005, 02:02 PM
galleryseek Confirmed User Industry Role: Join Date: Mar 2002 Posts: 8,234	A few questions about credit cards... Finally got one (i was approved for $15k at 0% interest for a year and then around 14% after that year... with only a month of credit history but whatever).. I use online banking and it gives me my exact balance that I can choose to pay any time... 1. Is it best to only make purchases on it that you can pay off within that month? and if so, does it effect your credit score positively if you can pay it off before the due date? Example: I go buy something for $200, and 3 days later I login and make the payment for $200.... opposed to just waiting for the bill to come and paying it then. Basically I want to start building as much "positive" credit as possible, as I'm looking to move out / get married by spring / next summer. Thanks.