New furniture time...

[boof]

Originally Posted by Diode

no. i and everyone else with a stable income using credit cards for their rewards and bonuses and pay them off in full every month. which raises your credit score considerably more than keeping a balance. the point of good credit is to show you can pay off your debts.

paying it off all right away is exactly the best way to build credit.

if i have a credit card and i use it to buy $300 worth of shit and i pay that $300 in full the next day that's going to raise my credit more than paying the monthly balance?

[Diode]

Originally Posted by boof

if i have a credit card and i use it to buy $300 worth of shit and i pay that $300 in full the next day that's going to raise my credit more than paying the monthly balance?

not the next day, but when the balance is due. that's literally the concept of credit.

"i will float you this money for x period of time but you have to pay it back by then or i start charging interest. and if you don't pay it back then i will tell everyone you can't be trusted as a credit/loan candidate"

[boof]

Originally Posted by Diode

not the next day, but when the balance is due. that's literally the concept of credit.

"i will float you this money for x period of time but you have to pay it back by then or i start charging interest. and if you don't pay it back then i will tell everyone you can't be trusted as a credit/loan candidate"

but i literally explained that ouch was talking about paying it off the next day

and geno was talking about paying it when the balance is due

[Diode]

Originally Posted by boof

but i literally explained that ouch was talking about paying it off the next day

and geno was talking about paying it when the balance is due

no, geno is talking about keeping a continuous unpaid balance. not paying it off in full every month.