>want to improve my credit score
>there's nothing expensive I want to buy
what should I do then?

>>60582477 (OP)
Ask your rabbi to turn it up

What do you need credit score for? Does it decrease interest rates on your mortgage? Allow you to leverage stock?

>>60582477 (OP)
Be consistent and don't miss payments. Don't sign up for you many cards or close too many cards.

>>60582487
Dis, sell your soul!

>ameridebts

>>60582477 (OP)
>what should I do then?
Use it to pay your daily expenses and pay it off in full. If you use a cashback card, you get a small sum of money back and won't pay a cent in interest.

>goyscore usury olympics

>>60582490
You need a decent one for applications. I'm looking to move to the city and would prefer to not live in nigtown.
>>60582498
that's the basic logic but should I just use it for every basic expense? my parents conditioned me to be afraid of debt

>>60582477 (OP)
The fact you think buying something expensive on a credit card at 26% interest is how you build credit is retarded. Get a good credit card like 2% back on all purchases and use it for all your expenses. Make sure it is paid off before the end of each cycle so you dont accrue interest.

>>60582490
>What do you need credit score for?
Good goy score. It's basically your trustworthiness on how much debt you can sustain and if you can pay it back reliably.
>Does it decrease interest rates on your mortgage?
It can, provided the score is high enough. Interest rates are high though, so not even a sterling lending record will give you a good rate these days.
>Allow you to leverage stock?
Dunno.

>>60582514
>that's the basic logic but should I just use it for every basic expense?
I treat my cashback cards like cash. I pay it off nightly and it helps me track my spending. I never spend money I cannot pay off that night.

>>60582477 (OP)

Use your credit card on something like gas or groceries and pay in full every month. I have an almost perfect goy score doing this for years now.

>>60582544
Mine just swings between 794 and 810 month by month for no reason. Credit cards only. The gap is narrowing though.

>>60582477 (OP)
Step one: get like 5-6 new lines of credit (credit cards) from different banks
Step two: use each of them 2-3 times a month on eating out, fuel, groceries, etc.
Step 3: pay them all off on time
Step 4: repeat steps 1-3 for half a year
Step 5: have 800+ credit score

>>60582665
Step 6:
Take massive loans from all of them and fuck off to Belarus?

>>60582477 (OP)
a good credit score is a sign of someone who doesn't know how to take advantage of credit card offers

>>60582477 (OP)
there's no fomo in integrity dao
just slow accumulation and occasional spiritual awakenings
one guy said buying ID helped him quit caffeine
we didn't question it

Rent, utilities, phone bill, groceries, essentials, etc. As long as you pay your bill on time credit score will keep going up. You don't have to buy a bunch of useless shit

>>60582477 (OP)
Get just one card and put a regular monthly bill on it. Don't max it

>>60582518
Correct
>>60583214
Yes you also don't need to try to engineer a perfect score or anything unless you're trying to get a mortgage.

pay your bills anon