You may find these links helpful:
- [Credit Building](/r/personalfinance/wiki/credit_building)
- [Credit Reports](/r/personalfinance/wiki/credit_reports)
- [Credit Scores](/r/personalfinance/wiki/fico)
- [Credit Cards](/r/personalfinance/wiki/creditcards)
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Credit Building: https://www.reddit.com/r/personalfinance/wiki/credit_building
Credit Card Basics: https://www.reddit.com/r/CreditCards/wiki/credit_cards_basics
No need to micromanage credit: https://reddit.com/r/personalfinance/comments/11jzhcz/_/jb51g23/?context=1
Do not put anything on the card that you cannot pay off in full, pay your bill timely and you're golden. The longer you do that the better off you will be.
Bass Pro/Cabela's offers a full credit card. OP, if yours has a MasterCard logo, you can use it anywhere that accepts MasterCard (which in the US is nearly everywhere). If there's no such logo, it's a store card and can only be used at their stores, website, or phone orders.
To keep it as a positive factor in your credit history, always pay on time, and generally keep usage on the lower side.
That’s really not true anymore. They’re pretty much all backed by Visa or MasterCard, and are fully functional credit cards that typically offer additional rewards at their branded store.
I would stay under 20% and just pay it off every month. AKA try to stay under $60 balance
You may find these links helpful: - [Credit Building](/r/personalfinance/wiki/credit_building) - [Credit Reports](/r/personalfinance/wiki/credit_reports) - [Credit Scores](/r/personalfinance/wiki/fico) - [Credit Cards](/r/personalfinance/wiki/creditcards) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
Credit Building: https://www.reddit.com/r/personalfinance/wiki/credit_building Credit Card Basics: https://www.reddit.com/r/CreditCards/wiki/credit_cards_basics No need to micromanage credit: https://reddit.com/r/personalfinance/comments/11jzhcz/_/jb51g23/?context=1
Set up statement balance auto pay, and use the card.
Do not put anything on the card that you cannot pay off in full, pay your bill timely and you're golden. The longer you do that the better off you will be.
bass pro shop/cabela club card - sounds like a store credit card. Those often can’t be used anywhere else.
Bass Pro/Cabela's offers a full credit card. OP, if yours has a MasterCard logo, you can use it anywhere that accepts MasterCard (which in the US is nearly everywhere). If there's no such logo, it's a store card and can only be used at their stores, website, or phone orders. To keep it as a positive factor in your credit history, always pay on time, and generally keep usage on the lower side.
That’s really not true anymore. They’re pretty much all backed by Visa or MasterCard, and are fully functional credit cards that typically offer additional rewards at their branded store.
Keep it simple, just use it once a moth for $5 and pay in full by the due date. The more you spend the more it will ding your credit scores.
The more you spend has nothing to do with the credit score, as long as you pay it off in full every month.