# Credit Card

**URL:** <https://forums.speedlife.net/t/credit-card/18912>\
**Category:** NYSpeed Off Topic\
**Created:** [October 17, 2006, 8:02am UTC](https://forums.speedlife.net/t/credit-card/18912 "2006-10-17T08:02:38Z")\
**Posts on this page:** 1\
**Showing post:** 24

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**Author:** ![JoesTypeS](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joestypes/32/7190_2.png) [@JoesTypeS](https://forums.speedlife.net/u/JoesTypeS)\
**Post date:** [October 17, 2006, 9:01am UTC](https://forums.speedlife.net/t/credit-card/18912/24 "2006-10-17T09:01:00Z")

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> [@Daddie](#):
>
> Not good for building credit, but :tup: for keeping it managed.

untrue

Keeping the lowest balance possible is best for building credit. Useage to limit ratio \> _._ for credit rating

PS - Credit companies have no real way of getting your actual income information, they only go on what you tell them and others you make when applying for credit

That said

> **[404](https://www.chase.com/)**
>
> Oops, you found it! The one page we never want you to see.

and [americanexpress.com](http://americanexpress.com)

both 0% from 12 to 15 months

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