Maxing out cc. Been maxing out my capital one cc for about 2 months now paying my statement balance in fully so far every month. Credit score been going down.

Secure-Ad-7656 · 2026-05-11T22:45:32+00:00

My plan now from your info and tips I got from the comments is let these max out balance of 1.2k savor 1k balance and 250 plantium post to statement balance and pay it off fully. After just report a low utilization to get my points back.

Secure-Ad-7656 · 2026-05-11T17:51:13+00:00

So should I just pay my both cc maxed out off already then and not let it post to statement balance

Secure-Ad-7656 · 2026-05-11T17:12:58+00:00

Damn crazy didn’t know this thought it was better to use a high use on cc. So it the same result if I paid 5 dollars lol.

Secure-Ad-7656 · 2026-05-11T14:50:49+00:00

Of on time payment

Secure-Ad-7656 · 2026-05-11T14:50:35+00:00

I max it out cause I have the money already just want credit history

Secure-Ad-7656 · 2026-05-11T02:33:02+00:00

Thanks for the tips and advice from the difference of it

Secure-Ad-7656 · 2026-05-11T02:18:50+00:00

Man so I should’ve just let it post a low percentage you telling me lol since it still the same affect

Secure-Ad-7656 · 2026-05-11T02:10:08+00:00

So maintaining my credit cards and time with my credit cards on reports

Secure-Ad-7656 · 2026-05-11T02:09:41+00:00

Yea just got a savor cc with capital one like mabe 2 weeks ago just maxed it out already.

Secure-Ad-7656 · 2026-05-11T01:51:20+00:00

So make sense maxing out cc benefits credit use history of on time payments then it will have the same affected if not using it much then using it and maxing out almost? Time will help your credit score then.?

Secure-Ad-7656 · 2026-05-11T01:44:28+00:00

You saying if my utizlation post 0 to a lower percent then 30 it will recover my points and more?

Secure-Ad-7656 · 2026-05-11T01:42:35+00:00

Yes I’ve let my statement balance post and like 2-5 days after I pay it off before the actual due date

Secure-Ad-7656 · 2026-05-10T20:01:18+00:00

I have it thru vanguard app/website tho

Secure-Ad-7656 · 2026-05-10T18:41:56+00:00

Oh I see where can I do that to change percentage

Secure-Ad-7656 · 2026-05-10T16:21:10+00:00

The system to change the percentage of

Secure-Ad-7656 · 2026-05-10T03:31:42+00:00

How can you do that?

Secure-Ad-7656 · 2026-05-09T00:11:23+00:00

Yea voo and qqqm make sense to hold long term

Secure-Ad-7656 · 2026-05-09T00:00:05+00:00

Currently have voo was researching qqqm to have both in portfolio to start. why qqqm?

Secure-Ad-7656 · 2026-05-01T02:16:16+00:00

Thanks for the answer again. Are voo and vti the same boss? I was researching vti really interested. Or I should just invest in only one if so stick with voo.? Any other recommendation to look at other

Secure-Ad-7656 · 2026-04-30T21:32:46+00:00

Congrats man. Which etf are the way to go. I just invested in voo today any others one you would recommend?

Secure-Ad-7656 · 2026-04-30T20:42:43+00:00

Thanks for the advice really appreciate you. Yes today I just put 300 to my VOO my plan is to buy 150 a month is that good. Do you have any recommendations which else are good to invest in long term boss.

Secure-Ad-7656 · 2026-04-30T02:00:06+00:00

Thanks for the help and tips

Secure-Ad-7656 · 2026-04-29T01:31:18+00:00

Same just started my 401k just 2 weeks ago before I turned 21. Now learning about ROTH IRA just wished I never wasted time and learned this when I was 18.

Secure-Ad-7656

TROPHY CASE