Simple. 1. Pay attention to your statement open and close dates every month. 2. Use your card(s) between those dates. 3. Make payments between those dates - if you want. 4. Pay down before the close date to whatever utilization you need. 5. Let the card report. 6. Pay the bill on the day that you get your new statement (beginning of the new cycle). 7. Rinse and repeat.
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! 🙌
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!!!
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!
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.
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! 👏
Noel, If you are on auto pay and pay the bill before the due date, will the minimum due be deducted from my account? Will I pay them twice? Will I save interest, by paying before the due date? I didn't quite hear you say, that to be the case!
Creditors usually look at late payments for up to 7 years, but don’t worry-the impact on your credit score fades over time. At first, it can hurt your score a lot, but after a few months, you’ll start to see the damage lessen. If it's been 12-24 months and you've been paying on time since then, you should see a big improvement. If you’re still feeling the sting, focus on paying your bills on time, lowering balances, and asking for credit limit increases. You can also try reaching out to your creditors for a "goodwill adjustment" to remove the late payments, especially if this was a rare slip-up and you've been a solid customer. Patience is key-stay consistent with your good credit habits, and you’ll see your score improve!
That's great! A payment history of 89% means you're doing well overall, but you might want to focus on improving that last 11%. Remember, your payment history makes up 35% of your credit score, so even small improvements can make a big impact. Keep making those payments on time and consider setting up auto-pay to avoid any future late payments. You’re on the right track!
An 802 is amazing! 🚀 But late payments can still hurt in the long run since payment history is 35% of your score. Even one 30-day late can drop it fast. Setting up autopay is a game-changer-it’ll keep that 802 solid and growing.
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@@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.
Simple.
1. Pay attention to your statement open and close dates every month.
2. Use your card(s) between those dates.
3. Make payments between those dates - if you want.
4. Pay down before the close date to whatever utilization you need.
5. Let the card report.
6. Pay the bill on the day that you get your new statement (beginning of the new cycle).
7. Rinse and repeat.
Thank you for getting to the point!
Good God❤
thank you.
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
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!!!
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!
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.
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! 👏
Good information.thank you.this is putting things in the right perspective..
Awesome Video. I'll send this video to my kids to set them up for success.
Wow~ Thank you so much!
Plain and simple, pay your bills, people!!!!
Great info thank you for clearing this up! How much should we be leaving on our credit cards after the payment to boost our credit score?
Thank you very much
That was very very helpful.. keep up the good work
Sister, Good looking out for the info.
Thank you so much! 😃
Love the video. That utilization tho is 56% on your example. Thx for bringing this concept to light.
That was quite helpful. Thanks lots, Noelle👍🏾
Good stuff Noelle! I can flow with the fast talking and bombs you’re dropping😉
Thank you so much! 😃
OMG....... I think I love you Noelle......... lol...... THANKS!!!!!
For example say my payment is 40 dollars should I pay like 60 to 80 dollars
Thank you Noel
You're welcome! 🥰
Noel, If you are on auto pay and pay the bill before the due date, will the minimum due be deducted from my account? Will I pay them twice? Will I save interest, by paying before the due date? I didn't quite hear you say, that to be the case!
I got auto paid I'm good right
another home run Noelle this is some gooood content baby😊😅😂
Thank you, thank you! 🙌🏽 I’m so glad you liked it!
Gorgeous and smart 🤓🤓
Great info 👍
This is where its at ❤
Thank you
You're welcome
When do creditors stop looking at those late payments? I few late payments from last year , I feel I am still being punished for it.
@@oliviarobinson7402 it’s best to get them sweeped off your report the late payments
Creditors usually look at late payments for up to 7 years, but don’t worry-the impact on your credit score fades over time. At first, it can hurt your score a lot, but after a few months, you’ll start to see the damage lessen. If it's been 12-24 months and you've been paying on time since then, you should see a big improvement. If you’re still feeling the sting, focus on paying your bills on time, lowering balances, and asking for credit limit increases. You can also try reaching out to your creditors for a "goodwill adjustment" to remove the late payments, especially if this was a rare slip-up and you've been a solid customer. Patience is key-stay consistent with your good credit habits, and you’ll see your score improve!
Thanks for the info Noelle! May I say you are the Prettiest lady I have ever seen!!!😍
Summery??
Thank you great information ❤
You're welcome! 🥰
Thank you so much
I love all your videos
Thank you! 🙌🏽 I’m so glad you liked it!
@NoelleRandall1 Thank you so much I love watching all your videos
My payment history is 89%
That's great! A payment history of 89% means you're doing well overall, but you might want to focus on improving that last 11%. Remember, your payment history makes up 35% of your credit score, so even small improvements can make a big impact. Keep making those payments on time and consider setting up auto-pay to avoid any future late payments. You’re on the right track!
Thank you! ❣️
Im looking for work still!!!😢
All facts
Thank you! 🙌🏽 I’m so glad you liked it!
Yassss
Nice video
Thank you! 🙌🏽
@NoelleRandall1 Your video is full of quality
long story short, you want your statement to say $0 balance owed every month and show you paid already, the end
I've made so many late payments, and I have an 802 score. As long as they get paid, I don't think it matters.
An 802 is amazing! 🚀 But late payments can still hurt in the long run since payment history is 35% of your score. Even one 30-day late can drop it fast. Setting up autopay is a game-changer-it’ll keep that 802 solid and growing.
HELP
Help
Your teeth 🦷 are immaculate. Nice and shiny ✨.
LADY DIVA. GO HEAD ON!. HELP BLACK PEOPLE GAIN ECONOMIC KNOWLEDGE & SELF-DEFENSE. LEARN YOUR RIGHTS
BLACK PEOPLE. CONSTITUTIONAL & STATE RIGHTS. MY AFRICAN BROTHER & SISTERS & COUSINS. (ALL INCLUSIVE). WE ARE FAMILY($).
Your helping people out here 🔥🫡
Thank you! 🙌🏽 I’m so glad you liked it!
Love the video. That utilization tho is 56% on your example. Thx for bringing this concept to light.
Thank you! 🙌🏽 I’m so glad you liked it!
Good video