Charge cards have the ability to help consumers build credit records and managing finances. You should understand how the card works to avoid problems. The following is a list of credit card use that can apply to their plastic.
Never sign up for a credit card without learning its interest rate. It is essential that you find out before you ever sign up for the card. If you are unsure, over time you might pay much more than what items actually cost. If you have to pay a lot of interest, then it may be impossible for you to make your monthly payments.
This allows the credit card companies the most opportunity to find the offender.This also the best way to make sure that you will not held responsible for any further charges. You can usually report the majority of fraudulent charges with a simple email or phone call to your credit card company.
Always check the fine print on your credit card disclosures. If you see ‘pre-approved’ or someone offers a card ‘on the spot’, get all of the details beforehand. It’s important to know what interest rates and will be in the future. You should also be sure to learn of grace periods and any fees that may be applied.
Make sure that your passwords and pin numbers for all of your credit cards are difficult and complex. Never use your middle name, one of your children’s names or dates of birth as a password because the information is easily obtained by someone who sets their mind to it.
Always know the amount of your balance. Also be aware of what your credit cards. Going over that limit will result in greater fees incurred. It will take a longer for someone to pay their balance down if they exceed their limit consistently.
You can save yourself money by asking for a lower interest rate. As long as you have a good credit history, you should be able to get yourself a much better rate. All you have to do is make a phone call, and ask for a better rate that will save you money.
Read emails and email that you receive from your credit card company as soon as you get it.You can cancel a credit card if you don’t agree with any changes.
Watch out for changes to the terms and conditions on your credit card accounts carefully. It is not uncommon for issuers to change credit terms very often. Make certain you read everything so you know what to expect as far as rates and fees are concerned.
Be careful when you use a credit card on the Internet. Prior to entering any card information, ensure the site that you are utilizing is a secure one. Your credit information will remain safe if you are using a secure site. Never give your personal information to a website that sends you unsolicited email.
Never leave blank spots when you make a purchase.Always fill up the signature line on your credit card tip receipt, so an amount that you did not authorize is not added in later.Make sure your statement matches the charges you make.
If they refuse to do this after you talk with the retention team, look around for a more ideal interest rate. After you find it, change to the credit card that will service your needs better.
Everyone gets credit card offers in the mail. “You have been pre-approved for a credit card!” Depending on the time frame, you may or may not be in the market. Always rip up any credit card mail that you plan on throwing away. Avoid tossing it in the garbage intact because the application might contain some confidential information.
Do not make a payment to your card the moment after you charge an item. This builds a stronger payment history and has a larger positive impact on your credit record and can improve your score.
Compare your report to your statements to make sure they match up.
Do not simply believe that the interest rate you are offered is concrete and should stay that way. Since credit card companies compete with one another, they all have the option of changing your interest rate to another one of their standard rates to keep you satisfied. Call your bank if you are unhappy with the interest rate given to you.
Contact your creditor about lowering your interest rate. Some issuers will reduce interest rates charged to customers if the customer has had a positive credit relationship is in good standing. It may save you a lot of money later and asking will not cost to asking for it.
You do not want to switch credit accounts unless you find it completely unavoidable. The length of your history with a creditor is factored into your credit score. Keeping your accounts open for as long as possible will help build credit.
If you are looking for a secure card, try to stay away from a prepaid card. Prepaid cards are not credit cards at all, and they don’t report to any of the credit bureaus. Most of them charge you with extra fees, and they only function as another checking account. In order to really improve your credit rating, use a secured credit card account with a company that requires a cash deposit and that reports to the major credit bureaus.
This may result in you spend too much money when you will think the balance is lower than it actually is.
If you have several credit cards, try to pay at least one in full every month. If you have significant balances on different cards, using one specific card that is paid in full at the end of the month will help to build your credit score.
Be extra careful if you receive an unsolicited messages that ask for your credit card number. There are many scams in the world today that want your credit card number. Be thorough and protect yourself.
As suggested earlier, credit cards can be useful tools for building credit and managing money. Understanding the individual cards is essential though, as this helps individuals to make educated choices. Grasping the fundamental information about charge cards can assist consumers in making smart credit choices, too.
Only carry around a credit card that you need daily. You might have multiple cards, but you should only carry the ones you use regularly. This should be nothing more than a gas card and a card for making daily charges. Leave your other cards at your residence where they are safe, and you can get to them easily if your wallet or purse is lost.
Credit cards can be an early warning sign for dangerous spending decisions. However, if used properly, perks, rewards and even peace of mind. Read on to learn how to properly utilize credit cards in a positive manner.
Many credit card issuers offer signing bonuses when you open a new account.
If you cannot afford to pay cash for something, think twice about charging it on your credit card. While it’s fine to use your card to purchase an item you can pay for later, it is not a good idea to purchase something you will have trouble paying down the line.
Be vigilant when looking over any changes made to the terms and conditions. It is common for companies to change terms and conditions with relative frequency.Make certain you read everything so that you know how they may impact your finances.
Never leave a blank spots when you sign retail store receipts. If there is a blank for a tip, it’s a good idea for you to zero it out or line through it so that an unauthorized amount does not appear on your final bill. Make sure your statements match the purchases you have made.
If you run into financial difficulty, let your credit card company know. You may be able to adjust your payment plan so that you won’t miss a credit card payment. Most companies will work with you if you contact them in advance. They may be less likely to report a payment that is late to the major credit score agencies.
Do not buy anything with your credit card on public computer. Only use your own computer to make purchases.
Use your credit cards wisely. Limit spending and only buy things on your credit card that are affordable to you. Before you decide to use a credit card to purchase an item, make sure you can pay off the charge as soon as you receive your statement. If you carry balances, you are more likely to get caught in a cycle of debt that is difficult to escape.
Be careful when you use a credit card. Prior to entering any card information, be sure you’re using a secure site. This will keep all of your information safe. Be sure to ignore emails you receive that ask for card information as these are attempts at getting your personal information: you should call the company or go to their website and do not reply to those emails.
Ask your credit card provider if they are willing to reduce the interest rates associated to your credit card’s APR interest. Some companies are willing to lower interest rates charged to customers if their credit history with them. It may save you a lot of money and asking will not cost to asking for it.
Before getting a credit card, make certain that you completely understand the policies you are agreeing to. You might see that their payment schedule, fees, and interest rate are higher than what you thought. Pay very close attention to the terms to make sure you completely understand the card policy.
Keep careful records of the amount you spend with your monthly spending on bank cards. Remember that impulse purchasing can be costly. If you do not monitor the amount of money you are spending with your credit card, you may get a nasty shock when the credit bill arrives and you cannot pay it.
If you have just turned eighteen, you might want to think twice before applying for a credit card. While many people can’t wait to own their first credit card, it is better to fully understand how the credit card industry operates before applying for every card that is available to you. Learn more about adult life and adult responsibilities before getting a credit card, rather than impulsively signing up for a card.
Some fees that you may overlook include the annual fee, cash advance fees or service charges, cash advance fees and service charges.
Never send credit card numbers via a fax. A fax can be left there for a long time and your information could be stolen by anyone. Any one of the workers in the office could steal your identity. This leaves you up to fraudulent activity and the problems that come with it.
Do not use public computers to make purchases with a credit card. Your information may be stored, making you susceptible to having your information stolen. When you leave your details behind on such computers you expose yourself to great unnecessary risks. Only use your personal computer to make purchases.
Only carry the credit card that you need that day. You may have five or more cards, but you should carefully consider which particular cards that you use often. These can include a gas card and a card that is used for everyday charges. Keep these with you; leave the rest in a safe spot in your house.
Some consumers cannot help but spend more than they can pay for. These people who should think twice before applying for a credit card. When they decide to open a credit account, they’re getting themselves into some hot water later on.
Resist the temptation to loan credit cards to people. Even if a close friend really needs some help, do not loan them your card. Doing so can result in over the limit fees if your friend charges more than you allowed them to.
When used mindfully and strategically, charge cards can offer serious benefits. From the peace of mind of having some flexibility and emergency space, to the possibility of racking up perks and rewards, the bank cards now or soon to be in your wallet can actually make your life a brighter one. Use the information you’ve gathered here today for greater success in this area.
Don’t pay for an attorney consultation and ask him or her anything you want to know. Seek free consultations from a handful of lawyers, before deciding which one to hire. Choose an attorney who is experienced, educated and well-versed in bankruptcy laws. You need not decide right away. You can take your time and check out several attorneys before making your final selection.
Bankruptcy can be stressful and a relief. The relief is that your phone will stop ringing with harassing phone calls from debt collectors, you will be debt-free and free of harassment from creditors.The article will give you advice to make filing for bankruptcy less painful.
Don’t hide from your friends and family while you go through bankruptcy. The whole process of filing for bankruptcy is hard. It can take a long time, take a great emotional toll and cause people to feel embarrassed and defeated. Lots of people choose to disappear for a while until the entire process is over and done with. Self-imposed isolation can make you feel worse about it and can cause depression. It’s crucial to spend time with loved ones despite your present financial situation.
You can find a wealth of information concerning personal bankruptcy resources available online to educate yourself thoroughly before you begin the process. Department of Justice and American Bankruptcy Institute are both sites that provide excellent information.
You should weigh every option before thinking about bankruptcy. There are many recouses available to help you lower your payments and get back on track. If you are facing foreclosure, consider a loan modification plan. The lender can help your financial situation by getting interest rates lowered, dropping late charges, and in some cases will allow you to pay the loan over a longer period of time. Above all else, what creditors want is to get their money. Sometimes they would rather settle for a repayment plan instead of a debtor who is bankrupt.
Retirement accounts should be avoided at all costs. You may need to withdraw some funds from your savings account, but try to leave yourself some financial security for the future.
File when the time is right. Timing can be critical when it comes to personal bankruptcy cases. Sometimes, filing as soon as you can is best, while other times, it is wise to get past the worst problems first. The professional advice of a bankruptcy lawyer can help you pin down the best time to file given your current financial state.
It is important to not wait for the final minute to petition for bankruptcy. Do not avoid your creditors; they will not go away. It is important to decide on a course of action as soon as you begin experiencing financial problems. If debts are not dealt with quickly, things can quickly get out of control. Not only will you be faced with late fees and interest, but you may also be faced with a wage garnishment or foreclosure if you ignore your financial woes. As soon as you’ve decided that you no longer have a handle on your debts, consult a bankruptcy lawyer to see if bankruptcy is right for you.
You may still have trouble receiving any unsecured credit card or line after a bankruptcy. If this is so, applying for a secured card may be the answer. This will prove that you are making an honest attempt at reestablishing your credit score. After a certain time, you are going to be able to have unsecured credit cards too.
Don’t just assume bankruptcy is the right option, especially if you have not considered others. One of these choices is consumer credit counseling. There are a lot of organizations that are non-profits and can assist you. They will liaise with those you owe money to and try to get better payment options opened to you. Payments are then made to the creditor via the counseling service.
If you can, this should be a lawyer you focus on. There are a number of companies who may take advantage of your situation, so you must ascertain that your attorney can be trusted.
Quickly decide to start being more fiscally responsible prior to filing. Don’t use credit cards to acquire more dent right before filing. Judges may take into account your current credit history, in addition to your past credit history, when considering your bankruptcy case. Even though you may have found yourself in a bind, you want to show them that you are trying to make serious efforts to stabilize your finances.
The professional that helps you file with needs to know both the good and accurate picture of your financial condition.
Do a check of your credit report from all the top companies who report on consumer credit after two or three months have passed following your bankruptcy. Be sure the report is accurate with your closed credit accounts and discharged loans. If you see any mistakes, look into them immediately.
Filing for personal bankruptcy may possibly enable you to reclaim your personal property that have been repossessed, including cards, electronics and jewelry items. You may be able to get your possessions back if they have been taken away from you within 90 days ago. Speak to a lawyer who will be able to help you with guidance for the necessary paperwork.
There are lawyers who maintain a telephone service meant to field calls from creditors attempting to contact debtors who have filed for bankruptcy. All you have to do is give the number for the attorney’s office, which allows them to confirm the validity of your bankruptcy. This can stop collectors from harassing you at home.
If you make a mistake and the judge dismisses your personal bankruptcy case, it is possible to file again. However, be aware that the normal stay after a dismissal is 30 days after filing. It is possible to get the stay extended, if there is a good reason for the error and refiling.
Be sure you know how Chapter 7 and Chapter 13 bankruptcy. Chapter 7 is the elimination of all of your debts for good. Your former ties with all creditors will cease to exist. Chapter 13 bankruptcy allows for a payment plan to eliminate all your debts.
You may have a hard time filing for bankruptcy if the majority of your debt is from student loans. As a general rule, student loans are not forgivable by bankruptcy being filed. In order to have a chance at getting it discharged, you must show “undue” or “extreme” hardship.
Before filing for bankruptcy consider every available avenue. You may find consolidating your debt or availing yourself of some other remedy. It is not a quick and easy process of filing for bankruptcy. It will have a major effect on your access to credit in the future. This is why you explore your last resort.
Look for a reputable bankruptcy attorney in your neighborhood. Once you have a short list of attorneys, ask if they give free consultations. Take all your financial records with you to your appointment. They can give you details on the process.
This stress could morph into clinical depression, so do what you can to fight that from happening.Life will get better; you finish this process.
Think about finding an additional job. You may be able to avoid bankruptcy by negotiating with your creditors in order to find a workable plan for paying off your debt. They may agree to it, saving you from having to file.
Make a list of financial information on your bankruptcy petition. If you don’t do this, or possibly even dismissed. This type of income could come from doing odd jobs, extra cars and outstanding personal loans.
This will be viewed as fraud, and you may even be forced in paying all of it back to credit card companies.
Be cautious if you pay off any of your debts before you file a personal bankruptcy. The laws regarding bankruptcy most often prevent you from paying back some creditors for up to 90 days before filing, and family members up to a year! Know the laws prior to deciding what you jump in feet first.
You should immediately vow to be more financially responsible with your money even before you actually file for bankruptcy. It is important not to make your debt before bankruptcy. Creditors and even judges look at your current and past financial history when they are going through your personal bankruptcy. You should show them that your current spending behavior is being worked on by how you have changed and are ready to act in a financially responsible manner.
You do not need to lose everything you own when filing for bankruptcy. Personal belongings that fall under private property can be kept. This may be things like jewelry, jewelry, electronics and household furnishings. This will all depend on the type of bankruptcy you choose, the type of bankruptcy you file for, and your financial situation, but you could hold onto your large assets like the car and the family home.
Bankruptcy is a process that has both benefits and drawbacks. No matter why or what put you in this situation, the best thing you can do right now is educate yourself on the bankruptcy process. What you read above can easily help you get a handle on the entire process. As long as you implement these tips how you read them, you should be able to make much more sense of the process.
Credit cards are useful for online purchases without needing cash. This article is a great way to get more information on using a charge cards and use them wisely without drowning in debt.
This gives the credit card companies the best opportunity to find the offender. This is also ensures that you will not be liable for any further charges. You can report fraudulent activity through a simple email or phone call to your credit card company.
A lot of new credit card offers come with attractive, potentially valuable bonuses attached. Read the fine print thoroughly, though, as the terms for qualifying for the bonus may be quite strict. One of the most common terms is that you spend a set amount of money in a set period.
Understand what your interest rate. You must understand the interest charges your card will bring before you agree to accept a credit card.
You want to stay away from both late charges as well as over limit ones. Both of these are expensive fees and exceeding your limit can also hurt your credit score. Be very careful to never spend above the limit on your credit limit.
Ensure you pay your payment by the due date to boost your credit score. Paying late will hurt your score and incur extra fees. Therefore, you should aim to set up a payment schedule that pays automatically with a bank or your card company in order to save both time and money.
It may not be a great idea to get bank cards when they turn 18 years old. Although you might be tempted to jump right on in like everyone else, it’s in your best interest to learn more about how credit works before you make this decision. Spend a few months just being an adult and learning what it will take to incorporate credit card.
Credit cards can be attached to various loyalty programs. This can end up providing you with a source of extra income, if you use it wisely.
Credit card companies set minimum payments in order to make as much money from you as they can. Pay much more than what the minimum payment indicates. Paying off your balance faster helps you avoid expensive finance charges over the life of your debt.
Never use a credit to buy things you cannot afford. Just because you desire to have a new TV, a credit card may be the wrong way to get one. You will end up paying a lot of interest and monthly payments might be more than you can afford. Make decisions only after thinking them over for a couple of waiting 48 hours before making any large purchases on your card. If you still want to purchase the item, see if the store offers financing that is usually lower interest than your credit card.
If you want a brand new credit card, try limiting the search to those with lower interest rates and that do not have annual fees. With the plethora of suitable credit cards available without annual fees, there is simply no reason to get stuck with a card that does charge one.
Avoid prepaid debit cards at all costs when considering secured cards. These are considered debit cards so they don’t report to the credit bureaus. Many prepaid cards charge extra fees for each transaction. Put down a deposit instead, improving your score.
Know your credit card laws have been created recently. Credit card issuers may not assess retroactive interest rate hikes, for instance.They are also not allowed to do any double-cycle billing. The two major legislative changes recently are the CARD Act and the Fair Credit Billing Act.
If you cannot afford something, don’t put it on a credit card. Even if you want a high-priced item, it’s not worth going into debt in order to get it. Paying huge amounts of money on interest is not smart and should be avoided. Leave the store and think it over for a day prior to making your decision. Talk to the store if you still want to buy a big-ticket item after thinking it over. You may be able to get financing in the store, and many times this is a better deal than using your credit card.
You can often negotiate the rate down a percentage point or two if you contact the credit card company.
Only carry the credit card that you need daily. You may have quite a few cards, but think about which cards you use often. These can include a gas card and a card that is used for everyday charges. Keep these on you and have the others at home.
When you sign credit card receipts, never leave any spaces empty. If you are not giving a tip, put a mark through that space to avoid someone adding an amount there. When your credit card statements arrive, take the time to ensure all charges are correct.
This article was written with the intention of providing you with reputable credit card information, hopefully, it has served its purpose. As far as spending foes, there is no such thing as too much care and we are usually aware of our mistakes once it’s too late. Take in all of the information here so you can heighten the benefits of having bank cards and cut down on the risk.
Knowing what you owed and to whom it was owed may have prevented you from incurring the debt in the first place. It’s now time to buckle down and fix your credit. The following advice can greatly help you rebuild your credit rating.
Financing a home can be difficult if you have bad credit. If your income is a factor you may qualify for a FHA loan, which has lower standards and makes the federal government your lender in a sense. Even when the resources for making down payments or paying closing costs are lacking, FHA loans can help.
If you want to fix your credit, you must first conjure a workable plan that you can stick to. Real changes come from commitment to healthy spending habits. Just buy what you need, and forget unnecessary purchases. Ensure that you can afford everything you buy and that you really need it.
Make sure that you are never using more than 50% of your credit card’s limit. If you owe more than half of your credit limit on any credit card, this will have a negative impact on your rating. Plan to pay down that card as soon as possible, or see about transferring some of that debt.
If you can afford to pay another monthly bill, an installment account paid on time will increase your credit rating. It is necessary to at least pay the minimum, so insure the account is something that you can pay. You can quickly improve your score by successfully managing these accounts.
You can get better interest rates on credit cards and loans when you have a good credit score. A lower interest rate means lower monthly payments, and less time paying off your debt. Take advantage of special offers and favorable interest rates to secure manageable credit payments and a good credit rating.
Good credit scores allow you to take out loans, buy a house, and make other large purchases. You will get a better credit score by paying your mortgage payment on time. Home ownership also means you have assets that you can rely on to increase your credit score. This will be beneficial when you apply for loans.
One thing to watch out for when trying to fix your credit is scammers who say that they can get any negative information deleted from your credit, regardless of its accuracy. Sadly, harmful entries remain on your report for roughly seven years. However, if there is incorrect information, you can have it cleared up easily by yourself.
If you want to boost your credit score and earn a decent living, open an installment account. Open an installment account that you can pay for and make sure to keep an affordable monthly minimum on it. If these accounts are properly managed, they can provide a quick boost to your credit score.
When trying to rehabilitate your credit, it is important to work with each credit card company you are indebted to. By doing this, you will keep your credit from getting worse by making sure that your debt does not increase. One way to tackle this problem is to call them and ask if you can have the due date or monthly charge amount changed.
If you do not want to pay too much, contact your creditors and tell them you will not pay on a interest rate that is astronomical. It is bordering on illegal for credit card companies to charge you skyrocketed interest rates. Remember that you agreed to pay that interest when you signed the contract. Be very wary of suing your creditors, especially if all of your issues were covered in the contract.
Good credit isn’t worth much if you are in lockup. The web is full of scams that show you how you can craft a deceptive credit file. This tactic is not legal, and you face serious repercussions if you are caught. You could go to jail if you have a lot of legal issues.
When trying to repair your credit, research any credit counselors you consider using very thoroughly. There are some legit counselors, and there are some that have ulterior motives. Also be aware that there are other credit counseling services run by dishonest people. These services are scams and should be avoided at any cost. To help protect yourself from fraud, investigate any credit counselors. One way to check an agency out is to check with the Better Business Bureau.
Requesting that your credit card limits be lowered can benefit you. This is likely to keep you from overusing credit, which can be a financial burden. It also lets credit card companies know that you are responsible, and this makes them more likely to extend credit to you as time goes on.
Do not involve yourself in illegal activities. There are schemes online that will show you how to establish an additional credit file. You will be prosecuted, it is against the law. Legal repercussions will cost you a lot of money, and you could go to jail.
As should now be apparent, most of what’s required to get you out of debt in order to salvage your credit is simply common sense. Following this information can help you reach your debt goals.
A bad credit score is a source of stress. It is much more frustrating when you’re reminded of bad decisions you made in the past. Even though rebuilding your credit can be hard, it is possible. Keep reading for more helpful tips.
You can get a house mortgaged at the snap of a finger if you have a high credit score. You will get a better credit score by paying your mortgage payment on time. Owning a home provides financial stability which is backed by your asset, the home, and as such, results in great credit. If the need arrives to obtain a loan for any reason, this will be a valuable asset for you.
If a company promises that they can remove all negative marks from a credit report, they are lying. You have to wait for seven years before negative data can come off your record. Know, however, that it is possible to delete information that is actually wrong.
You should examine any negative entries on your credit report thoroughly if you want to fix your credit problems. While the credit item itself may not be in error, if you can find a mistake in the date, amount, or any other factor, you may be able to have the whole item removed from your report.
Always examine your monthly credit card bill to make sure everything is accurate. If there are, you will need to contact the company immediately to avoid them reporting this to a credit reporting agency,
It’s vital that you actually begin paying the bills that you have if you want to improve your credit. You should always make an effort to pay your bills on time and in full. Your credit score will increase if you are consistently paying back your debts.
Paying all of your bills in a timely manner is a vital component of determining your credit score. You are more likely to remember your payment due dates if you have some kind of reminder system set up. There are various ways you can arrange your reminders. You may be able to get text or email reminders from your creditor. You could also simply set up your own reminder on a digital calender.
Research consolidation options that may help you rebuild your credit record. Consolidating your debt allows you to handle all of your bills at once and repair your credit faster. You will only have to make one payment, since all your debts will be together. Find out more about consolidation and how it could be applied to your situation.
Do not try something that you do not know is legal or illegal. Creating a new credit score or using a different identity seem like easy solutions but bad credit is not worth taking this kind of risks. That is illegal and you are going to be caught. In addition to the possibility of facing jail time, you could be fined, your attorney bills may be substantial, and your reputation could be ruined.
Any contact you have with a credit bureau needs to be documented. Make note of every call or letter you send or receive. Your dispute letter should be sent by certified mail; this way, you can prove both the date you mailed it and the date it was received.
Your monthly payments should always be made on time if you want to rebuild good credit standing. Even if you can only pay the minimum, just submit something. Even a single missed payment can damage your credit.
Look at your credit report to make sure that there are no errors. There could be issues on your credit report that were made in error. Credit disputes will allow you to remove false information from your credit report.
The fastest means of improving your credit score is to focus on paying off your outstanding debt. Once the balance is paid off, the account starts aging on your report and more recent activity will replace it to show that you are properly handling your bills.
You should be truthful with debt collectors and see if they can work with you. Spell out what you are able to pay, and in what time frame. They will be willing to negotiate with you to receive payment.
Debt consolidation programs are one option that can help you get your credit in order, but that should only be used as a last resort. By simply combining all your debts into single monthly payments, you can greatly simplify your budgeting and expense tracking. It will get you to pay bills on time and improve your credit rating.
Credit counseling can be a wonderful asset to repairing your credit. They educate you on how to eliminate all your debts, while continuing with your daily life. You have to agree to dispose of all your credit cards, as well as to pay your creditors on a monthly basis.
You need to obtain your credit report and check it for any unpaid debts. Make sure that there are no errors, and then set out to make right the wrongs of your past. Always pay off the debt with the highest interest rate first, but don’t neglect your other debts.
If you are trying to repair your credit, it is vitally important that you make at least the minimum payments on all your cards every month. If you make a late payment, the credit bureaus are notified, and it doesn’t reflect well on you. If you continuously make at least the minimum payment, your credit report will reflect this responsible behavior.
You have a long way to go to get the credit score you want from the advice you got here. Most importantly, be consistent, making sure to pay your bills on time. Fixing a credit problem is far from impossible, and the faster you get to it, the better your results will be.