How many of you use a credit card for the emergency purchase? Average individuals with an average income are most likely to apply for loans and credit card. For emergency purposes, for wants or needs, and simply just to brag.
How to shove your credit score to be appealing for banks and financial institutions approve your loans quickly and have a good credibility.
By paying before the deadline
Ana made a purchase of mobile phone through her credit card from the first of January 2018, she needs to pay every 24th of the month. She then asks me to pay her credit on the fifteenth of the month because she's busy. Now that's what I called, a responsible borrower.
Spend below your credit limit
Prior to Ana's history where she pays on time not because she intended to have a good credibility but a responsible person who pays what she owes. She then had an increase of 28,000 credit limit from five thousand. There was a sudden increase, yet, she ended up calling the bank to reduce her credit limit.
Keep your credit card in a safe place
Now, this sounds unusual. If I'd lose or misplace my card, would that matter to my credit score? Being careless is a sign of not being accountable for your belongings and being reckless about your finances. Asking your bank to replace it for multiple times is a no-no thus reducing your credibility. They would even reject you for bigger loans in the future.
If anyone needs a fast cash, credit score is important too when you apply for personal loans or even car loans.
Remember, get a job that can pay off your debt, live below your means and pay what you owe responsibly.
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