Sureshot!
Read this and tell me how bad I am making my score…
I have 2 credit cards along with 3 store credit cards (A/E,express,Macys)
I rarley use my store cards, I only signed up because they promised like %30 off my first purchase…
I have two visas…one at $800 limit and the other at $500. The $800 limit started at $200 went to $500 and now is $800.
I probably have gone over my credit limit on each card about 5 times. I have the money, I just go on spending sprees and forget my limit.
I ALWAYS make my payments on time… with the exception of twice.(was out of town and forgot)
I also pay my cards off like 2-3 times a month…
EX: I’ll purchase $700 on the one card…pay it off… spend another $500 on it…pay it off, then spend another $600 and pay it off before the end of the month…
I do this because I order a lot of stuff online…and I NEVER carry cash…
Is this negativly affecting my credit score?
thanks for the other info too!