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- Yes I would love to get the car to show off to my friends
- So Joey, I know you want to get that new Ford Bronco
- What Why can't I get any of your cars?
- Well unfortunately you can't get any of our cars
- What do you mean I have a 400 Credit Score I pay my card off every month!
- You have a 400 credit score which is to low for us because you are not trustworthy with payments on any car.
- The Minimum, I don't have enough to pay it in full that would be $1,000 that's the max limit
- When you say you pay off your card every month do you pay the Minimum or do you pay it in full?
- Well You can't be spending the max limit on your card you need to keep your credit utilization to under 30% so you could only spend $300 on that card that has the limit of $1,000
- Then when you spend only 30% limit on your card you pay it off in full which is $300 then you keep that pattern going so that you can buy yourself a car, house, get a loan etc.
- Ok Thank You so much
- ok ill do this until I have a good credit score
- Ok but I want to tell you something else. Its to never close a credit line as this can affect your credit score a bunch and too do that habit of paying off your card in full with 30% credit utilization on 2-3 cards to boost your credit score alot!
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