this post was submitted on 14 Dec 2025
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Lemmy Shitpost

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Welcome to Lemmy Shitpost. Here you can shitpost to your hearts content.

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Refrain from using harmful language pertaining to a protected characteristic: e.g. race, gender, sexuality, disability or religion.

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[–] fan0m@lemmy.world 14 points 3 weeks ago* (last edited 3 weeks ago) (1 children)

I have no debt and pay my card in full every month too but I have amazing credit.

My oldest lines are nearly 20 years old at this point. Is it possible you just haven’t had any credit lines long enough?

[–] JoMiran@lemmy.ml 8 points 3 weeks ago (1 children)

My oldest credit line is exactly 20 years old. I genuinely don't know why it isn't higher, but it doesn't affect me in any way, so I don't care

[–] village604@adultswim.fan 1 points 3 weeks ago (1 children)

How much are you putting on your card each month? If it's a relatively low amount, that might be a contributing factor.

[–] dingus@lemmy.world 2 points 3 weeks ago

To add to this, I found out that paying the statement balance before it's due harms your credit score. Because then when the statement comes out, it shows that you owe zero and this makes it seem like you're not using your card. At least, this has been my experience.

So, DO pay your full balance on time each month, BUT you need to wait for the statement balance to be generated before doing so.