I’m 18 too and thought I had a solid plan with my Freedom Rise, Amazon Prime Visa, and maybe adding Freedom Flex later…
I see your post might be about usage and its effect on credit score. Please check out the info below:
Forget about that 10/20/30 usage percentage rule - it matters only when you’re about to apply for a new credit line.
Usage can change often, it’s easy to manage, and it doesn’t build credit—think of it as a detail when you’re optimizing your score.
You can safely and naturally use your whole credit limit in a month and as long as you pay off your statement balance completely by the due date every time, you’re good.
For more info, check out these links:
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