Absolutely! Paying off your balance in full every month is the best way to avoid interest and keep your credit utilization low. It's a simple strategy that saves you money and keeps your credit score strong! 🙌
Pay your balance off every month so your not hit with any fees. Also spend under 10% of your credit usage and this will keep you in the 800 credit score bracket.
These last few weeks were wild, and I had forgotten to pay multiple credit cards. Fortunately, I was granted reversals on those late payments. However, when you mentioned autopay, I remembered how I'd meant to do that, so I paused the video and did it. Thank you for that reminder, Noelle!
Omg thank you!!! Even though I already know this, I'm listening for her to say it! I'm over half way thru the video and she keep going in circles! If I didn't know already I would be so confused!
Pay more than the minimum amount due each month, 2 to 5 days before the Due Date, using Auto Pay, to avoid late fees, and make extra payments in between billing statements. Your Credit Utilization will go down and FICO score will gradually go up.
Well I pay all my credit cards 5 to 18 days before due date and it hasn't changed my credit score at all and I've been doing this for at least 2 years or more 🤔 but thanks for this information Young Lady and enjoy your Holiday 🎄❤💯👵🏽🙏🏽
@@valeriewilliams5013 I wonder if it could be the amount of outstanding debt is too high. That effects your overall ability to have a higher score. The higher score tell lenders you are not a risk to lend to. Too much debt means a risk to not being able to pay them back because you already own others first.
I have paid off my CC and the credit score does not increase. It seems that the credit bureau companies take their time reporting the zero balance and applying it to your account.
Thank you for telling people that good personal credit is the fastest way to business credit. Too many entrepreneurs are struggling with getting business credit without using personal credit. I DOESN'T WORK LIKE THAT.
Thanks for this information I can truly say I never thought about the statement opening and closing date. I’m going into my account and set my payment to draft 5 days before the due date. I appreciate you Sis! Be Blessed ❤
Wonderful video. The only thing i would add. This only applies if you dont carry any debt. Whether auto, home, signature loans. If you carry debt you can pay off your credit card every month.
Thank you! 😊 Paying off your credit card in full is definitely smart, especially if you’re managing other debts like a car or home loan. It keeps your finances balanced and avoids extra interest. Great point! 👏
I've been paying off my cards every month. All my cards are over 30k ..you don't have to leave balances. Some people do say that but from experience you do not have to leave balances.
You’re spot on! Paying off your cards in full every month is the smartest move-no need to leave balances. It keeps your utilization low, avoids interest, and shows lenders you’re on top of your game. That’s how you stay in control and build strong credit! 🙌
It took you 20 min to say, pay more than the minimum before the due date, keep your balance low, and pay more often if used regularly. In my humble opinion, only make one pitch for whatever you’re selling. Wish you well.
Thanks for the feedback! 😊 Breaking it down helps people fully understand and apply the tips, but I’ll work on keeping it tighter while still giving value. Wishing you the best too! 🙌
You're awesome. I never worried about credit score before because I always had great credit until someone stole my identity. It took 7 months to "fix" my score. Thank you for your wisdom
@@thegungal Your 3 credit accounts should be keep 𝒇𝒓𝒐𝒛𝒆𝒏. This will block random inquiries. Once you 𝒇𝒓𝒆𝒆𝒛𝒆 your accounts you will be notified of ANY inquiry and it’s your option to 𝒇𝒓𝒆𝒆𝒛𝒆 𝒐𝒓 𝒕𝒉𝒂𝒘 any time. Your credit should never remain open for extended periods❌
Ugh, that’s rough! I’m so glad you’re back on track though 🙌. Identity theft can be a pain, but staying proactive with credit is key. You’ve got this! 💪
Thank you for sharing on how to pay our credit cards! I will do this from now on. By paying minimum at least on auto pay then paying the cc bill before billing statement date. Thank you!
Valuable information if you can find those dates on your statement because all statements DON'T have this! It's crazy to pay anyone to help you get better credit. It's YOUR credit so educate yourself and get books from the library. Learn about BUDGETING, credit laws and all the important things about credit!!!
You're absolutely right! Not all statements show those dates clearly, so it’s important to dig in and keep track of your payments. And you're spot on about taking charge of your own credit journey. Educating yourself is key-there’s so much out there for free!
Noelle, this video is an absolute gem! For anyone experiencing delays in credit score updates after paying off balances, it’s helpful to know that using tools like autopay and keeping utilization below 30% can gradually show positive results.
I a little criticism to help. I know you get paid more by the length of. your videos and you speak well and clear; however, you took twenty-one minutes to answer one question. You tend to repeat yourself either to make it clear or add length, but this video could have and should have been around 15 minutes in length. I agree with everything you said, just not the full-length presentation because most people that can't manage their money, added length of conversation tends to turn into condescending. I do financial counseling for junior military personnel and after I counsel I ask them if I either annoyed, talk down to their level of education or disrespected them and based on their input have modified many of my presentations. Food for thought!
Thanks so much for your feedback! I really appreciate it. Keeping things concise is key, and I’ll definitely work on trimming down my content to make sure I’m getting to the point quicker without losing clarity. Your experience with financial counseling is super insightful too! I’ll be more mindful of that moving forward.
Thank you Noelle, (that’s my eldest daughter’s middle name),, I really felt inspired and more optimistic and I don’t comment often. Now I know why my limit went up, and why it may go down, but how to rescue my finances. Your very helpful!
Aww, I love that Noelle is your daughter's middle name! 😊 I'm so glad my advice resonated with you and helped bring some clarity. If you ever need more guidance or have questions, feel free to reach out. I'm here for it! 🙌
My score dropped because it stated I had no recent card activity, which isn't true. Pay it off on the due date and then keep a 1% balance before the statement date. Boom 💥 score rose
💡 💡 bless you ! I’m on the journey to rebuild my credit not just paying them off the old fashion way. Gif is good ! Thanks for sharing I feel like I need to chat with you .
Thank you. I will start paying five days early. I will also calculate my utilization. My question is it better to pay balance in full each month or leave some? Which way will raise my score quicker?
Credit cards will also be canceled when not used for years or more. Since they make money from interest and late fees, they don't want zero balances every month.
Hi Noelle I checked some of my credit statements, I 😮see the closing date but there is no opening date. If it is not on there, how do I determine the open date?
🛠 📈 𝐑𝐚𝐢𝐬𝐞 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞 𝐅𝐚𝐬𝐭𝐞𝐫 𝐰𝐢𝐭𝐡 𝐂𝐑𝐄𝐀𝐓𝐈𝐕𝐄 𝐂𝐑𝐄𝐃𝐈𝐓 𝐒𝐎𝐋𝐔𝐓𝐈𝐎𝐍:
bit.ly/CcS11NR
💳 𝐁𝐮𝐢𝐥𝐝 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐅𝐚𝐬𝐭𝐞𝐫 𝐖𝐢𝐭𝐡 𝐉𝐔𝐒𝐓𝐈𝐍 𝐌𝐈𝐑𝐂𝐇𝐄:
bit.ly/3eydxza
@@NoelleRandall1 thank you soo much for the information you give us.
FYI..The link for Justin Mirche is not working. Error shows that the page cannot be found.
@@king_atlien8276 - I see the link is working now.
13:02
I wanted to mention something that can mess up your credit by not your fault, Do Not Cosign For Nobody,even family
@@dreameryoung38 especially for family 😂
Absolutely. Don’t co-sign for ANYONE!
@@G..G.. Omg I'm learning the hard way which I could get my name off
😢FACTS 🙏 👍🏻 💯!!!!!!!!
I co-signed for a family member and they had the nerve to get ungrateful until I mention going taking them to court! I WAS DEAD SERIOUS TOO!
Don't pay anyone to fix your credit. Do it yourself
right!
@@tracyslytv7134 Absolutely!!!!
@@tracyslytv7134 I did that I regretted doing it.
@@tracyslytv7134 *EXACTLY!* 👍
I Did fix my own crédit score from 600 to 810 right now 👍
This video would be *great* to play for high school and college students so they will understand how these things work.
Do not charge any amount you cannot pay on the due date! Pay in full every month!
Absolutely! Paying off your balance in full every month is the best way to avoid interest and keep your credit utilization low. It's a simple strategy that saves you money and keeps your credit score strong! 🙌
Common sense
@@nilagetter1705 EXACTLY…..PLAN on Paying Off before end of the Month…
@@RB-es1vx- I wish that kind of common sense was more… Commonly applied.😂
@bitrudder3792 i have that common sense but some times you just have to go into debt. 🤣
Pay your balance off every month so your not hit with any fees. Also spend under 10% of your credit usage and this will keep you in the 800 credit score bracket.
5% spend is ideal. Debt to credit ratio is the most important factor. (834 here)
These last few weeks were wild, and I had forgotten to pay multiple credit cards. Fortunately, I was granted reversals on those late payments. However, when you mentioned autopay, I remembered how I'd meant to do that, so I paused the video and did it. Thank you for that reminder, Noelle!
Don’t forget to set due date alerts on your phone as well as auto pay
@@drleo6409 Much appreciated! I've just done that, too. 🤑
@@JDakar drop “had forgotten” and insert 𝒇𝒐𝒓𝒈𝒐𝒕✅
You're so welcome! 😊 Autopay is such a lifesaver - no more late fees! And huge win getting those reversals, you're crushing it! Keep it up! 💪
@@drleo6409 Exactly!
Pay 5 days early…✍🏾 got it ! Thanks for sharing !
Omg thank you!!! Even though I already know this, I'm listening for her to say it! I'm over half way thru the video and she keep going in circles! If I didn't know already I would be so confused!
@ 😂
God bless women and them getting to the point ❤
@@MikeJones-tx6iu 😩🙌🏾
@@LadybugLuvthat’s how they make money on TH-cam. The longer you watch helps their algorithms (or something that 😂)
Pay 2 days before Statement date, not the due date. I been doing this 2 months now. Credit score goes up
@@juliehuggins9267 do you pay just the minimum amount or the minimum amount and the interest rate
@@juliehuggins9267 how can you find the statement date. It’s so confusing on the actual paper
Too repititious
it makes no difference at all, just pay your bills ON TIME
@queenp2295 At the top right side or left side It's labeled in bold "statement date" Sometimes it's a range for the month.
Pay more than the minimum amount due each month, 2 to 5 days before the Due Date, using Auto Pay, to avoid late fees, and make extra payments in between billing statements. Your Credit Utilization will go down and FICO score will gradually go up.
Always!!!
Well I pay all my credit cards 5 to 18 days before due date and it hasn't changed my credit score at all and I've been doing this for at least 2 years or more 🤔 but thanks for this information Young Lady and enjoy your Holiday 🎄❤💯👵🏽🙏🏽
@@valeriewilliams5013 I wonder if it could be the amount of outstanding debt is too high. That effects your overall ability to have a higher score. The higher score tell lenders you are not a risk to lend to. Too much debt means a risk to not being able to pay them back because you already own others first.
You don’t need no consultation, just pay your bills on time or before
Paying on time is huge, but credit isn't one-size-fits-all! Sometimes errors or quick boosts need expert strategies. 😉
Yes, Simply pay before or on time!!
They're look someone to R.B.
@@NoelleRandall1 😊
Yep. I make the payment within 2 days after receiving the bill
I have paid off my CC and the credit score does not increase. It seems that the credit bureau companies take their time reporting the zero balance and applying it to your account.
It will change 100%, just give it some time.
Thank you for this great content!
Do you help with taxes❓
@@one99bluemen yes she does
I did too my score stay the same
Thank you for telling people that good personal credit is the fastest way to business credit. Too many entrepreneurs are struggling with getting business credit without using personal credit. I DOESN'T WORK LIKE THAT.
Just came accross your channel!👏👏 I shared 2 of your videos w my daughter in NC. She's a new business owner & I love your fyi & energy! Ty.
That's awesome! 🙌 Wishing her lots of success!
Thanks for this information I can truly say I never thought about the statement opening and closing date. I’m going into my account and set my payment to draft 5 days before the due date. I appreciate you Sis! Be Blessed ❤
Glad it was helpful!
Thanks!
Wonderful video. The only thing i would add. This only applies if you dont carry any debt. Whether auto, home, signature loans. If you carry debt you can pay off your credit card every month.
Thank you! 😊 Paying off your credit card in full is definitely smart, especially if you’re managing other debts like a car or home loan. It keeps your finances balanced and avoids extra interest. Great point! 👏
I've been paying off my cards every month. All my cards are over 30k ..you don't have to leave balances. Some people do say that but from experience you do not have to leave balances.
You’re spot on! Paying off your cards in full every month is the smartest move-no need to leave balances. It keeps your utilization low, avoids interest, and shows lenders you’re on top of your game. That’s how you stay in control and build strong credit! 🙌
@@et8865 ditto
Paid cards off lowered my score 60 points to 440
@@ozzy.....7383 o my
@@ozzy.....7383 it will rebound
It took you 20 min to say, pay more than the minimum before the due date, keep your balance low, and pay more often if used regularly. In my humble opinion, only make one pitch for whatever you’re selling. Wish you well.
Thanks for the feedback! 😊 Breaking it down helps people fully understand and apply the tips, but I’ll work on keeping it tighter while still giving value. Wishing you the best too! 🙌
You're awesome. I never worried about credit score before because I always had great credit until someone stole my identity. It took 7 months to "fix" my score. Thank you for your wisdom
@@thegungal Your 3 credit accounts should be keep 𝒇𝒓𝒐𝒛𝒆𝒏. This will block random inquiries. Once you 𝒇𝒓𝒆𝒆𝒛𝒆 your accounts you will be notified of ANY inquiry and it’s your option to 𝒇𝒓𝒆𝒆𝒛𝒆 𝒐𝒓 𝒕𝒉𝒂𝒘 any time.
Your credit should never remain open for extended periods❌
Ugh, that’s rough! I’m so glad you’re back on track though 🙌. Identity theft can be a pain, but staying proactive with credit is key. You’ve got this! 💪
I went through same. Just getting credit up again.
EXCELLENT NOELLE 💖 you are easy to understand, precise when and why payments should be paid earlier....truly enjoyed... thank you
Awesome Video. I'll send this video to my kids to set them up for success.
Wow~ Thank you so much!
Thanks!
thanks for blessing us with this lesson!👍🏾🙏🏾✌🏾
I've always paid "current" balance two days before due date. Score last 20 yrs between 798 - 810 👍🏾👍🏾👍🏾
Excellent video and great information! First time I’ve seen you on TH-cam and subscribed. 💜💜💜
Thank you very much
That was very very helpful.. keep up the good work
Thank you for watching.
Thank you for sharing on how to pay our credit cards! I will do this from now on. By paying minimum at least on auto pay then paying the cc bill before billing statement date. Thank you!
Good information.thank you.this is putting things in the right perspective..
Thank you for watching.
Valuable information if you can find those dates on your statement because all statements DON'T have this! It's crazy to pay anyone to help you get better credit. It's YOUR credit so educate yourself and get books from the library. Learn about BUDGETING, credit laws and all the important things about credit!!!
You're absolutely right! Not all statements show those dates clearly, so it’s important to dig in and keep track of your payments. And you're spot on about taking charge of your own credit journey. Educating yourself is key-there’s so much out there for free!
You CAN get those dates by calling the number on your card and for all billing cycles too , you can get the opening and closing dates on the phone.
Plain and simple, pay your bills, people!!!!
@@tdhmonte it really is that simple
Thank you for great explanations, appreciate you and your time !!!
The funny thing about credit is you will get more credit if you don't need it.
Love the video. That utilization tho is 56% on your example. Thx for bringing this concept to light.
Noelle, this video is an absolute gem! For anyone experiencing delays in credit score updates after paying off balances, it’s helpful to know that using tools like autopay and keeping utilization below 30% can gradually show positive results.
I a little criticism to help. I know you get paid more by the length of. your videos and you speak well and clear; however, you took twenty-one minutes to answer one question. You tend to repeat yourself either to make it clear or add length, but this video could have and should have been around 15 minutes in length. I agree with everything you said, just not the full-length presentation because most people that can't manage their money, added length of conversation tends to turn into condescending. I do financial counseling for junior military personnel and after I counsel I ask them if I either annoyed, talk down to their level of education or disrespected them and based on their input have modified many of my presentations. Food for thought!
Thanks so much for your feedback! I really appreciate it. Keeping things concise is key, and I’ll definitely work on trimming down my content to make sure I’m getting to the point quicker without losing clarity. Your experience with financial counseling is super insightful too! I’ll be more mindful of that moving forward.
@GunnerAl9
Excellent point. Thank you .
I will be applying this to my own conversations.
Noelle Excellent presentation! Thank you!
Hi Noelle , I really enjoyed this video. And I ❤️ your energy. Thanks for your knowledge.BBless!
Buy it today and pay for it tomorrow. Can't afford to buy it, wait until you can.🤷🏾♂️
Thank you for your information and tips so much ❤
That was quite helpful. Thanks lots, Noelle👍🏾
Thank you for watching.
@@NoelleRandall1 👍🏾
Thank you Noelle, (that’s my eldest daughter’s middle name),, I really felt inspired and more optimistic and I don’t comment often. Now I know why my limit went up, and why it may go down, but how to rescue my finances. Your very helpful!
Aww, I love that Noelle is your daughter's middle name! 😊 I'm so glad my advice resonated with you and helped bring some clarity. If you ever need more guidance or have questions, feel free to reach out. I'm here for it! 🙌
@ thank you!
You are awesome Noelle! Thank you 🙏 ❤
Thank you for watching.
Pay weekly. Credit utilization will raise your credit score the quickest.
Right!
My daughter is 20 years old and her FICO score is 700 and she is not in debt. 😊😊
Smart gurl!!❤
Because, she pays her bills. Smart young lady. Pray she let's no one destroy her financial fortitude.
@@marymotherofgod4861 Thank you and it was years of guidance prior to her getting to this level.
@marymotherofgod4861 Thank you
Pay your bills when you get paid. Don't wait till the due date if no payday before the actual due date.
Good stuff Noelle! I can flow with the fast talking and bombs you’re dropping😉
Thank you so much! 😃
Thank you so much for sharing your knowledge with us Noel
Thank you for watching.
long story short, you want your statement to say $0 balance owed every month and show you paid already, the end
Yes!
Exactly. $0 is the best lol.
My score dropped because it stated I had no recent card activity, which isn't true.
Pay it off on the due date and then keep a 1% balance before the statement date. Boom 💥 score rose
Valuable information. Thank you!
super helpful, thank you!
another home run Noelle this is some gooood content baby😊😅😂
Thank you, thank you! 🙌🏽 I’m so glad you liked it!
Great information here, thank you. But Jesus this clip could have been reduced by 75% and been much more user friendly.
@@1WmJSterling You should be more concise. This video is too long and tedious.
@@1WmJSterling
ELONGATED AT "BIRD" SPEED!!
Fantastic explanation! Thanks.
💡 💡 bless you ! I’m on the journey to rebuild my credit not just paying them off the old fashion way. Gif is good ! Thanks for sharing I feel like I need to chat with you .
Thanks for great advice. I'll be more mindful of the percentage of use. I conquered late payments with my bank account's auto pay.
Thank you. You are so sweet. So well explained..May life always bless you. ❤❤
Thanks for sharing. I pay it off before the due date 860 over here
@@margowhitlock7933 865 score!
@@margowhitlock7933 🤔🤡😂
Fico credit score highest score is 850 --- where do you get 860 from? Think you're highly mistaken.😢
Thank you so much for your explanation. I appreciate you 🙏🏾❤
My aunt always said to pay the balance off at once if you can because they add interest
Great information. Thank you for sharing ❤
Great information i never knew some of this
I think you should have touched on your dept to income ratio, which is important also.
Thank you for watching.
Thank you. I will start paying five days early. I will also calculate my utilization. My question is it better to pay balance in full each month or leave some? Which way will raise my score quicker?
❤❤❤ I LOVE THIS ‼️
I shared this with my daughter and son-n-law.
Wow~ Thank you!
This is helpful information. I do wish you would slow down your delivery. 🙏🏽
Just subscribed! Thank you so much!❤
Beautiful and Smart...🎉🎉🎉
Thank you. 🥰
"Thank you so much "! ❤😊
Amazing advice. Thank you so much.🥰
Very helpful. Thank you.
Thank you Noel
You're welcome! 🥰
Excellent teaching!
Thank you for the valuable advice. I already subscribed to your channel.
Thanks for the sub!
Gorgeous and smart 🤓🤓
Great info 👍
Thank you for watching.
I love your energy 😊
Sister, Good looking out for the info.
Thank you so much! 😃
This is where its at ❤
Thank you Noelle! Blessings from Texas 🇨🇱🇺🇸🇵🇷🙏💐
Thank you so much for sharing
Thank you for your time and help.
Thank you… very helpful information ❤
Did you say Bonus Daughter’s?! That’s amazing 😊
just pay your statement balance every month your credit will rise quick!!
I have one card and pay it off on the 5th and 20th each month. I use it to pay for everything.
Very informative. Thank you so much...
OMG....... I think I love you Noelle......... lol...... THANKS!!!!!
Great stuff.
Thanks!
THANK YOU NOELLE,.!!!!!🤔😆😄👍🏾👏🏾✅🙏🏾🌏🙏💯🎀.
Very helpful. Just subscribed
New to your channel. Just wanted to say. Thank you so much for this. Needed to see and hear. Awesome. Thank you 🙏 thank you
More examples using your dates🙏🏻
So grateful for you! 😻
Good information
Credit cards will also be canceled when not used for years or more. Since they make money from interest and late fees, they don't want zero balances every month.
You shouldn't have zero balance
I was taught that, as long as we live we have to deal with people
Thank you great information ❤
You're welcome! 🥰
Hi Noelle I checked some of my credit statements, I 😮see the closing date but there is no opening date. If it is not on there, how do I determine the open date?
@@anntalley2166Call your credit card company. They can tell you.
Thank you for this video