Thanx for the tip. I will definitely look into it.


I am looking into more how to manage my credit kind of thing. Meaning, if I have a limit of 1,000 and I average around 2,000 in monthly spending whats the best way of doing so. Mind you, I don't have any problem paying the card in full.

Do you think it is better to:

A- use the card till it almost hits the limit then pay it off?

B- Over pay the card from the beginning of the cycle an additional 1,000 to make for the expected extra charges?

Which one is better in building the credit history?