I’ve seen soo many people say credit and credit cards ruin your life. I thought the same thing until I started doing this: 1. Stop paying on your due date! Pay around the date your statement comes out (first payment 3 days before statement, to bring your utilization to 1-4% of your total credit on that card). Your second payment will be 3 days after your statement is released and you pay it down to 0. that will ELIMINATE your due date!! And you also won’t have to watch your utilization 1/2