Absolutely! Paying off your balance in full every month is the best way to avoid interest and keep your credit utilization low. It's a simple strategy that saves you money and keeps your credit score strong! 🙌
Pay your balance off every month so your not hit with any fees. Also spend under 10% of your credit usage and this will keep you in the 800 credit score bracket.
Omg thank you!!! Even though I already know this, I'm listening for her to say it! I'm over half way thru the video and she keep going in circles! If I didn't know already I would be so confused!
I have paid off my CC and the credit score does not increase. It seems that the credit bureau companies take their time reporting the zero balance and applying it to your account.
Pay more than the minimum amount due each month, 2 to 5 days before the Due Date, using Auto Pay, to avoid late fees, and make extra payments in between billing statements. Your Credit Utilization will go down and FICO score will gradually go up.
These last few weeks were wild, and I had forgotten to pay multiple credit cards. Fortunately, I was granted reversals on those late payments. However, when you mentioned autopay, I remembered how I'd meant to do that, so I paused the video and did it. Thank you for that reminder, Noelle!
Well I pay all my credit cards 5 to 18 days before due date and it hasn't changed my credit score at all and I've been doing this for at least 2 years or more 🤔 but thanks for this information Young Lady and enjoy your Holiday 🎄❤💯👵🏽🙏🏽
I've been paying off my cards every month. All my cards are over 30k ..you don't have to leave balances. Some people do say that but from experience you do not have to leave balances.
You’re spot on! Paying off your cards in full every month is the smartest move-no need to leave balances. It keeps your utilization low, avoids interest, and shows lenders you’re on top of your game. That’s how you stay in control and build strong credit! 🙌
Thank you for telling people that good personal credit is the fastest way to business credit. Too many entrepreneurs are struggling with getting business credit without using personal credit. I DOESN'T WORK LIKE THAT.
Wonderful video. The only thing i would add. This only applies if you dont carry any debt. Whether auto, home, signature loans. If you carry debt you can pay off your credit card every month.
Thank you! 😊 Paying off your credit card in full is definitely smart, especially if you’re managing other debts like a car or home loan. It keeps your finances balanced and avoids extra interest. Great point! 👏
Thanks for this information I can truly say I never thought about the statement opening and closing date. I’m going into my account and set my payment to draft 5 days before the due date. I appreciate you Sis! Be Blessed ❤
It took you 20 min to say, pay more than the minimum before the due date, keep your balance low, and pay more often if used regularly. In my humble opinion, only make one pitch for whatever you’re selling. Wish you well.
Thanks for the feedback! 😊 Breaking it down helps people fully understand and apply the tips, but I’ll work on keeping it tighter while still giving value. Wishing you the best too! 🙌
You're awesome. I never worried about credit score before because I always had great credit until someone stole my identity. It took 7 months to "fix" my score. Thank you for your wisdom
@@thegungal Your 3 credit accounts should be keep 𝒇𝒓𝒐𝒛𝒆𝒏. This will block random inquiries. Once you 𝒇𝒓𝒆𝒆𝒛𝒆 your accounts you will be notified of ANY inquiry and it’s your option to 𝒇𝒓𝒆𝒆𝒛𝒆 𝒐𝒓 𝒕𝒉𝒂𝒘 any time. Your credit should never remain open for extended periods❌
Ugh, that’s rough! I’m so glad you’re back on track though 🙌. Identity theft can be a pain, but staying proactive with credit is key. You’ve got this! 💪
I a little criticism to help. I know you get paid more by the length of. your videos and you speak well and clear; however, you took twenty-one minutes to answer one question. You tend to repeat yourself either to make it clear or add length, but this video could have and should have been around 15 minutes in length. I agree with everything you said, just not the full-length presentation because most people that can't manage their money, added length of conversation tends to turn into condescending. I do financial counseling for junior military personnel and after I counsel I ask them if I either annoyed, talk down to their level of education or disrespected them and based on their input have modified many of my presentations. Food for thought!
Valuable information if you can find those dates on your statement because all statements DON'T have this! It's crazy to pay anyone to help you get better credit. It's YOUR credit so educate yourself and get books from the library. Learn about BUDGETING, credit laws and all the important things about credit!!!
You're absolutely right! Not all statements show those dates clearly, so it’s important to dig in and keep track of your payments. And you're spot on about taking charge of your own credit journey. Educating yourself is key-there’s so much out there for free!
My score dropped because it stated I had no recent card activity, which isn't true. Pay it off on the due date and then keep a 1% balance before the statement date. Boom 💥 score rose
Noelle, this video is an absolute gem! For anyone experiencing delays in credit score updates after paying off balances, it’s helpful to know that using tools like autopay and keeping utilization below 30% can gradually show positive results.
Thank you for sharing on how to pay our credit cards! I will do this from now on. By paying minimum at least on auto pay then paying the cc bill before billing statement date. Thank you!
Hi Noelle I checked some of my credit statements, I 😮see the closing date but there is no opening date. If it is not on there, how do I determine the open date?
Just do the 15/3 rule...make an extra payment 15 days before your due date and make an autopay/ your regular payment 3 days before your due date. Simple
💡 💡 bless you ! I’m on the journey to rebuild my credit not just paying them off the old fashion way. Gif is good ! Thanks for sharing I feel like I need to chat with you .
Thank you Noelle, (that’s my eldest daughter’s middle name),, I really felt inspired and more optimistic and I don’t comment often. Now I know why my limit went up, and why it may go down, but how to rescue my finances. Your very helpful!
Aww, I love that Noelle is your daughter's middle name! 😊 I'm so glad my advice resonated with you and helped bring some clarity. If you ever need more guidance or have questions, feel free to reach out. I'm here for it! 🙌
If you have the minimum drafted to pay on time, you will be hit with interest charges on the balance that you owe. Even if you make another payment on your card that same month. This credit card system is going away when our new monetary system comes out. IRS, Federal Reserve, Income Tax all going away. It will be like it was in the 60"s. Pay as you go. There was no credit system then. Kept you out of debt. YOU SAVED UP if you wanted stuff.
I froze both of my credit cards. I can only afford the minimum payment and they are high. Just more interest added never getting them paid off. It sucks!
Never ever ever use your credit card like a debit card! Even if you paid the card off by the due date, you still get dinged for how you used the card. They check the "credit utilization". Never spend more than 30% of the card in a cycle or you will get dinged for it. I was told years ago that it was okay to max out your credit card as long you can pay everything off by payment due date. I did and still got dinged! So keep utilization down to less than 10% per cycle and you are good.
I pay mine after closing date, on the 18th of each month, take 3 days to arrive, my score hasn’t gone up. Ive never been late all my due dates are on the 4,7,8 th. So from the 18th to the due dates, that’s 17 days before due date.
Keeping your credit balances under 5 to 8 percent of your overall credit limit is key. Let the statement close and pay it off before due date. Do this every month will boost your credit score.
If you can afford to pay xtra then I would. People that pay minimum takes exceptionally longer to pay off the debt, especially when using the card constantly.
The best thing to do is, don't let your Bill's be more than you can really manage and pay on time. I don't want any interest. Pay you damn bills. I don't need no one in my business.
I noted that in the statement example shown, the $40.00 payment made left an unpaid balance, but there was in interest applied. I’m curious if you can tell us why?
🛠 📈 𝐑𝐚𝐢𝐬𝐞 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞 𝐅𝐚𝐬𝐭𝐞𝐫 𝐰𝐢𝐭𝐡 𝐂𝐑𝐄𝐀𝐓𝐈𝐕𝐄 𝐂𝐑𝐄𝐃𝐈𝐓 𝐒𝐎𝐋𝐔𝐓𝐈𝐎𝐍:
bit.ly/CcS11NR
💳 𝐁𝐮𝐢𝐥𝐝 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐅𝐚𝐬𝐭𝐞𝐫 𝐖𝐢𝐭𝐡 𝐉𝐔𝐒𝐓𝐈𝐍 𝐌𝐈𝐑𝐂𝐇𝐄:
bit.ly/3eydxza
@@NoelleRandall1 thank you soo much for the information you give us.
FYI..The link for Justin Mirche is not working. Error shows that the page cannot be found.
@@king_atlien8276 - I see the link is working now.
I wanted to mention something that can mess up your credit by not your fault, Do Not Cosign For Nobody,even family
@@dreameryoung38 especially for family 😂
Absolutely. Don’t co-sign for ANYONE!
@@G..G.. Omg I'm learning the hard way which I could get my name off
😢FACTS 🙏 👍🏻 💯!!!!!!!!
I co-signed for a family member and they had the nerve to get ungrateful until I mention going taking them to court! I WAS DEAD SERIOUS TOO!
Don't pay anyone to fix your credit. Do it yourself
right!
@@tracyslytv7134 Absolutely!!!!
@@tracyslytv7134 I did that I regretted doing it.
@@tracyslytv7134 *EXACTLY!* 👍
I Did fix my own crédit score from 600 to 810 right now 👍
Do not charge any amount you cannot pay on the due date! Pay in full every month!
Absolutely! Paying off your balance in full every month is the best way to avoid interest and keep your credit utilization low. It's a simple strategy that saves you money and keeps your credit score strong! 🙌
Common sense
@@nilagetter1705 EXACTLY…..PLAN on Paying Off before end of the Month…
Pay 2 days before Statement date, not the due date. I been doing this 2 months now. Credit score goes up
@@juliehuggins9267 do you pay just the minimum amount or the minimum amount and the interest rate
@@juliehuggins9267 how can you find the statement date. It’s so confusing on the actual paper
Too repititious
it makes no difference at all, just pay your bills ON TIME
@queenp2295 At the top right side or left side It's labeled in bold "statement date" Sometimes it's a range for the month.
Pay your balance off every month so your not hit with any fees. Also spend under 10% of your credit usage and this will keep you in the 800 credit score bracket.
Pay 5 days early…✍🏾 got it ! Thanks for sharing !
Omg thank you!!! Even though I already know this, I'm listening for her to say it! I'm over half way thru the video and she keep going in circles! If I didn't know already I would be so confused!
@ 😂
God bless women and them getting to the point ❤
@@MikeJones-tx6iu 😩🙌🏾
@@LadybugLuvthat’s how they make money on RUclips. The longer you watch helps their algorithms (or something that 😂)
I have paid off my CC and the credit score does not increase. It seems that the credit bureau companies take their time reporting the zero balance and applying it to your account.
It will change 100%, just give it some time.
Thank you for this great content!
Do you help with taxes❓
@@one99bluemen yes she does
I did too my score stay the same
Pay more than the minimum amount due each month, 2 to 5 days before the Due Date, using Auto Pay, to avoid late fees, and make extra payments in between billing statements. Your Credit Utilization will go down and FICO score will gradually go up.
Always!!!
You don’t need no consultation, just pay your bills on time or before
Paying on time is huge, but credit isn't one-size-fits-all! Sometimes errors or quick boosts need expert strategies. 😉
Yes, Simply pay before or on time!!
They're look someone to R.B.
@@NoelleRandall1 😊
Yep. I make the payment within 2 days after receiving the bill
These last few weeks were wild, and I had forgotten to pay multiple credit cards. Fortunately, I was granted reversals on those late payments. However, when you mentioned autopay, I remembered how I'd meant to do that, so I paused the video and did it. Thank you for that reminder, Noelle!
Don’t forget to set due date alerts on your phone as well as auto pay
@@drleo6409 Much appreciated! I've just done that, too. 🤑
@@JDakar drop “had forgotten” and insert 𝒇𝒐𝒓𝒈𝒐𝒕✅
You're so welcome! 😊 Autopay is such a lifesaver - no more late fees! And huge win getting those reversals, you're crushing it! Keep it up! 💪
@@drleo6409 Exactly!
Well I pay all my credit cards 5 to 18 days before due date and it hasn't changed my credit score at all and I've been doing this for at least 2 years or more 🤔 but thanks for this information Young Lady and enjoy your Holiday 🎄❤💯👵🏽🙏🏽
I've been paying off my cards every month. All my cards are over 30k ..you don't have to leave balances. Some people do say that but from experience you do not have to leave balances.
You’re spot on! Paying off your cards in full every month is the smartest move-no need to leave balances. It keeps your utilization low, avoids interest, and shows lenders you’re on top of your game. That’s how you stay in control and build strong credit! 🙌
@@et8865 ditto
Paid cards off lowered my score 60 points to 440
@@ozzy.....7383 o my
@@ozzy.....7383 it will rebound
Just came accross your channel!👏👏 I shared 2 of your videos w my daughter in NC. She's a new business owner & I love your fyi & energy! Ty.
That's awesome! 🙌 Wishing her lots of success!
Thank you for telling people that good personal credit is the fastest way to business credit. Too many entrepreneurs are struggling with getting business credit without using personal credit. I DOESN'T WORK LIKE THAT.
Wonderful video. The only thing i would add. This only applies if you dont carry any debt. Whether auto, home, signature loans. If you carry debt you can pay off your credit card every month.
Thank you! 😊 Paying off your credit card in full is definitely smart, especially if you’re managing other debts like a car or home loan. It keeps your finances balanced and avoids extra interest. Great point! 👏
Pay weekly. Credit utilization will raise your credit score the quickest.
Right!
Thanks for this information I can truly say I never thought about the statement opening and closing date. I’m going into my account and set my payment to draft 5 days before the due date. I appreciate you Sis! Be Blessed ❤
It took you 20 min to say, pay more than the minimum before the due date, keep your balance low, and pay more often if used regularly. In my humble opinion, only make one pitch for whatever you’re selling. Wish you well.
Thanks for the feedback! 😊 Breaking it down helps people fully understand and apply the tips, but I’ll work on keeping it tighter while still giving value. Wishing you the best too! 🙌
You're awesome. I never worried about credit score before because I always had great credit until someone stole my identity. It took 7 months to "fix" my score. Thank you for your wisdom
@@thegungal Your 3 credit accounts should be keep 𝒇𝒓𝒐𝒛𝒆𝒏. This will block random inquiries. Once you 𝒇𝒓𝒆𝒆𝒛𝒆 your accounts you will be notified of ANY inquiry and it’s your option to 𝒇𝒓𝒆𝒆𝒛𝒆 𝒐𝒓 𝒕𝒉𝒂𝒘 any time.
Your credit should never remain open for extended periods❌
Ugh, that’s rough! I’m so glad you’re back on track though 🙌. Identity theft can be a pain, but staying proactive with credit is key. You’ve got this! 💪
I went through same. Just getting credit up again.
Pay your bills when you get paid. Don't wait till the due date if no payday before the actual due date.
EXCELLENT NOELLE 💖 you are easy to understand, precise when and why payments should be paid earlier....truly enjoyed... thank you
I a little criticism to help. I know you get paid more by the length of. your videos and you speak well and clear; however, you took twenty-one minutes to answer one question. You tend to repeat yourself either to make it clear or add length, but this video could have and should have been around 15 minutes in length. I agree with everything you said, just not the full-length presentation because most people that can't manage their money, added length of conversation tends to turn into condescending. I do financial counseling for junior military personnel and after I counsel I ask them if I either annoyed, talk down to their level of education or disrespected them and based on their input have modified many of my presentations. Food for thought!
Valuable information if you can find those dates on your statement because all statements DON'T have this! It's crazy to pay anyone to help you get better credit. It's YOUR credit so educate yourself and get books from the library. Learn about BUDGETING, credit laws and all the important things about credit!!!
You're absolutely right! Not all statements show those dates clearly, so it’s important to dig in and keep track of your payments. And you're spot on about taking charge of your own credit journey. Educating yourself is key-there’s so much out there for free!
You CAN get those dates by calling the number on your card and for all billing cycles too , you can get the opening and closing dates on the phone.
long story short, you want your statement to say $0 balance owed every month and show you paid already, the end
Yes!
Exactly. $0 is the best lol.
My score dropped because it stated I had no recent card activity, which isn't true.
Pay it off on the due date and then keep a 1% balance before the statement date. Boom 💥 score rose
thanks for blessing us with this lesson!👍🏾🙏🏾✌🏾
Awesome Video. I'll send this video to my kids to set them up for success.
Wow~ Thank you so much!
Excellent video and great information! First time I’ve seen you on RUclips and subscribed. 💜💜💜
Plain and simple, pay your bills, people!!!!
How about paper statements vs email statements… I like the paper in my hand
I do both.
❤❤❤ I LOVE THIS ‼️
I shared this with my daughter and son-n-law.
Wow~ Thank you!
My daughter is 20 years old and her FICO score is 700 and she is not in debt. 😊😊
Smart gurl!!❤
Because, she pays her bills. Smart young lady. Pray she let's no one destroy her financial fortitude.
@@marymotherofgod4861 Thank you and it was years of guidance prior to her getting to this level.
@marymotherofgod4861 Thank you
Thank you Noelle! Blessings from Texas 🇨🇱🇺🇸🇵🇷🙏💐
"Thank you so much "! ❤😊
Noelle, this video is an absolute gem! For anyone experiencing delays in credit score updates after paying off balances, it’s helpful to know that using tools like autopay and keeping utilization below 30% can gradually show positive results.
The funny thing about credit is you will get more credit if you don't need it.
This is helpful information. I do wish you would slow down your delivery. 🙏🏽
Hi Noelle , I really enjoyed this video. And I ❤️ your energy. Thanks for your knowledge.BBless!
Buy it today and pay for it tomorrow. Can't afford to buy it, wait until you can.🤷🏾♂️
Great information here, thank you. But Jesus this clip could have been reduced by 75% and been much more user friendly.
@@1WmJSterling You should be more concise. This video is too long and tedious.
@@1WmJSterling
ELONGATED AT "BIRD" SPEED!!
Thank you very much
That was very very helpful.. keep up the good work
Thank you for watching.
Good information.thank you.this is putting things in the right perspective..
Thank you for watching.
Thank you for sharing on how to pay our credit cards! I will do this from now on. By paying minimum at least on auto pay then paying the cc bill before billing statement date. Thank you!
You are awesome Noelle! Thank you 🙏 ❤
Thank you for watching.
just pay your statement balance every month your credit will rise quick!!
Love the video. That utilization tho is 56% on your example. Thx for bringing this concept to light.
I think you should have touched on your dept to income ratio, which is important also.
Thank you for watching.
another home run Noelle this is some gooood content baby😊😅😂
Thank you, thank you! 🙌🏽 I’m so glad you liked it!
That was quite helpful. Thanks lots, Noelle👍🏾
Thank you for watching.
@@NoelleRandall1 👍🏾
Thanks for sharing. I pay it off before the due date 860 over here
@@margowhitlock7933 865 score!
@@margowhitlock7933 🤔🤡😂
Fico credit score highest score is 850 --- where do you get 860 from? Think you're highly mistaken.😢
Thank you so much for sharing your knowledge with us Noel
Thank you for watching.
Good stuff Noelle! I can flow with the fast talking and bombs you’re dropping😉
Thank you so much! 😃
Valuable information. Thank you!
Thanks!
Hi Noelle I checked some of my credit statements, I 😮see the closing date but there is no opening date. If it is not on there, how do I determine the open date?
Just do the 15/3 rule...make an extra payment 15 days before your due date and make an autopay/ your regular payment 3 days before your due date. Simple
Right! That's a good advice!
@@NJGirl321 If you pay an early payment, it cancels out autopay
@@janicesmith8946 wow really
love it! I just did auto pay 3 days before and I do always pay extra 2 a month
Thank you so much for your explanation. I appreciate you 🙏🏾❤
Thank you for great explanations, appreciate you and your time !!!
💡 💡 bless you ! I’m on the journey to rebuild my credit not just paying them off the old fashion way. Gif is good ! Thanks for sharing I feel like I need to chat with you .
Thank you Noelle, (that’s my eldest daughter’s middle name),, I really felt inspired and more optimistic and I don’t comment often. Now I know why my limit went up, and why it may go down, but how to rescue my finances. Your very helpful!
Aww, I love that Noelle is your daughter's middle name! 😊 I'm so glad my advice resonated with you and helped bring some clarity. If you ever need more guidance or have questions, feel free to reach out. I'm here for it! 🙌
@ thank you!
Gorgeous and smart 🤓🤓
Great info 👍
Thank you for watching.
The numerator for your credit utilization percentage is $1,365.91, not $1,634.
Great info thank you for clearing this up! How much should we be leaving on our credit cards after the payment to boost our credit score?
Thank you for watching.
Sister, Good looking out for the info.
Thank you so much! 😃
If you have the minimum drafted to pay on time, you will be hit with interest charges on the balance that you owe. Even if you make another payment on your card that same month. This credit card system is going away when our new monetary system comes out. IRS, Federal Reserve, Income Tax all going away. It will be like it was in the 60"s. Pay as you go. There was no credit system then. Kept you out of debt. YOU SAVED UP if you wanted stuff.
I froze both of my credit cards. I can only afford the minimum payment and they are high. Just more interest added never getting them paid off. It sucks!
Great information i never knew some of this
Never ever ever use your credit card like a debit card! Even if you paid the card off by the due date, you still get dinged for how you used the card. They check the "credit utilization". Never spend more than 30% of the card in a cycle or you will get dinged for it. I was told years ago that it was okay to max out your credit card as long you can pay everything off by payment due date. I did and still got dinged! So keep utilization down to less than 10% per cycle and you are good.
I pay mine after closing date, on the 18th of each month, take 3 days to arrive, my score hasn’t gone up. Ive never been late all my due dates are on the 4,7,8 th. So from the 18th to the due dates, that’s 17 days before due date.
Great information. Thank you for sharing ❤
Keeping your credit balances under 5 to 8 percent of your overall credit limit is key. Let the statement close and pay it off before due date. Do this every month will boost your credit score.
Challenge every debt on your credit report, even the legit ones.
I love your energy 😊
Thank you Noel
You're welcome! 🥰
Fantastic explanation! Thanks.
My aunt always said to pay the balance off at once if you can because they add interest
For example say my payment is 40 dollars should I pay like 60 to 80 dollars
If you can, do it.
Personally I wouldn't pay more than I owe. You want your money in your own bank, not theirs.
If you can afford to pay xtra then I would. People that pay minimum takes exceptionally longer to pay off the debt, especially when using the card constantly.
@@michaelwarren2981 the longer you take to pay it off the more interest you pay.
This is where its at ❤
Beautiful and Smart...🎉🎉🎉
Thank you. 🥰
Thanks for great advice. I'll be more mindful of the percentage of use. I conquered late payments with my bank account's auto pay.
I have one card and pay it off on the 5th and 20th each month. I use it to pay for everything.
Thank you. You are so sweet. So well explained..May life always bless you. ❤❤
New to your channel. Just wanted to say. Thank you so much for this. Needed to see and hear. Awesome. Thank you 🙏 thank you
THANK YOU NOELLE,.!!!!!🤔😆😄👍🏾👏🏾✅🙏🏾🌏🙏💯🎀.
The best thing to do is, don't let your Bill's be more than you can really manage and pay on time. I don't want any interest. Pay you damn bills. I don't need no one in my business.
All my purchases are paid with my credit card. It is paid off in full each month. My money in my bank account is earning interest at all times.
Amazing advice. Thank you so much.🥰
super helpful, thank you!
Thanks for the info Noelle! May I say you are the Prettiest lady I have ever seen!!!😍
Did you say Bonus Daughter’s?! That’s amazing 😊
Very informative.
How do i get the banks to increase my limit? I use less than 30 %.
You can ask them
@@pd8247 why increase?
Very helpful. Thank you.
Great stuff.
Just put it on autopay and pay the statement balance every month
Most will give you options on when and how much to pay.
Thank you… very helpful information ❤
I noted that in the statement example shown, the $40.00 payment made left an unpaid balance, but there was in interest applied. I’m curious if you can tell us why?
OMG....... I think I love you Noelle......... lol...... THANKS!!!!!
I've always paid "current" balance two days before due date. Score last 20 yrs between 798 - 810 👍🏾👍🏾👍🏾
Bew subscriber! Great info!
GIRL GREAT JOB 🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉😢🎉