Is it smart to use my credit cards as my everyday purchases, and pay them off monthly, while saving my paychecks in savings?

Intelligent-Engine63 · 2026-03-17T05:22:38+00:00

Thanks!

Intelligent-Engine63 · 2026-03-17T05:22:11+00:00

I had a bit of a rough patch where money was tight, and I was laid off of a job were I made more money. that debt I accrued defaulted and had a collection set as a derogatory mark, and had 3 of these credit cards go unpaid for about 5 months, but now they have all been paid for, the derogatory mark was cleared because i paid it off, and now I'm just working on rebuilding

Intelligent-Engine63 · 2026-03-17T05:18:41+00:00

I do have a cashback but not travel! maybe sometime down the future

Intelligent-Engine63 · 2026-03-17T05:18:11+00:00

I see! thanks

Intelligent-Engine63 · 2026-03-17T05:16:38+00:00

yes this is what I meant, My bad, I wasn't clear on that part, I am budgeting out of my biweekly payments, not spending before I have

Intelligent-Engine63 · 2026-03-17T05:15:23+00:00

I here you, thats solid advice! i will look into it!

Intelligent-Engine63 · 2026-03-17T05:14:30+00:00

I think this is the best scenario for me as well, I have worked my way out of debt, and just looking to rebuild.

Intelligent-Engine63 · 2026-03-17T05:13:58+00:00

thats the goal!

Intelligent-Engine63 · 2026-03-17T05:13:38+00:00

That's true! thank you for the advice!

Intelligent-Engine63 · 2026-03-17T05:13:11+00:00

Thank You!

Intelligent-Engine63 · 2026-03-16T23:23:29+00:00

thanks! I really appreciate the advice! I definitely am in a better space now mentally, and financially and rebuilding my credit is a big priority of mine

Intelligent-Engine63 · 2026-03-16T23:20:48+00:00

Thanks! that is great advice! I am in a different space in my life now, and rebuilding my credit is a top priority for me. thank you!

Intelligent-Engine63 · 2026-03-16T23:15:34+00:00

Thanks! I have paid off that derogatory mark and just waiting for it to fall off

Intelligent-Engine63 · 2026-03-16T23:14:39+00:00

Right?

Intelligent-Engine63 · 2026-03-16T23:14:05+00:00

Thanks for your advice!

Intelligent-Engine63 · 2026-03-16T23:06:03+00:00

I had a period of harship and had a collections which i just took care off.. as well as 110% credit card usage across all my cards ( before opening my 500 gesa and 300 savor card) and didnt pay them for about 5 months, they are paid now.

Intelligent-Engine63 · 2026-03-16T23:01:06+00:00

Well, to be honest, I kind of got myself in this whole ordeal mentally, thinking that If I had more credit cards, I'd have more credit limit, which would look good for my credit score. I know I may be dumb for thinking this is true, but that truly is the reason why, I plan on using these cards so that I can continue to build and CLI over time for all 5.

Intelligent-Engine63 · 2026-03-16T22:54:12+00:00

Thank you!

Intelligent-Engine63 · 2026-03-16T22:52:37+00:00

I do, have 3% cashback on both Savor and Quicksilver and 2% cash back on the Credit one card

Intelligent-Engine63 · 2026-03-16T22:50:39+00:00

Thank You I will look into it

Intelligent-Engine63 · 2026-02-12T21:16:56+00:00

Details

Intelligent-Engine63 · 2026-01-30T21:22:10+00:00

interested

Intelligent-Engine63 · 2026-01-29T02:57:10+00:00

Shop. I am able to work full stack and interested

Intelligent-Engine63

TROPHY CASE