credit and insurance 1
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- It's really no big deal... please, tell me. What is it that you are concerned about, Joey?
- Wow, such a pleasure to meet with the famous Monica! Exactly the person that will help my situation
- Interesting. How little?
- Well… I actually have very little information about credit and how to use it correctly.
- About that, the only person that can convince the back that you are reliable with the money you recieve from them, is you!
- None:) I could really use some superpowers here, maybe you can convince the bank to trust me!
- Well... you just have to keep in mind a few things:
- How?!
- 1. You have a credit limit. Make sure you only use up to 50% of it, never more than that!2. While not overspending the credit that the bank gives you, make sure to not underspend either. The bank still has to see that you are active.3. It’s all about building trust and increasing your credit score. Try to keep a balance between your spendings with your checking account and your credit. That way both will be in good amounts!4. pay your credit debts on time. As fast as possible, otherwise the debt will increase and your credit score will decrease! Exactly what we don’t want, right?
- That's a lot to handle...
- 300-850. Try to keep it above 670 for a good credit balance. As long as you keep your credit score high, your credit limit will be higher and you will be able to loan more and more!
- Absolutely. But what is the range of the credit score? What is good and what is bad?
- Bye Joey!
- I think I got it, thank you Monica! You are a true superhero, with great explanations!
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