Duration 9:40

When To Pay Credit Card Bill (INCREASE CREDIT SCORE)

by Naam Wynn

2 191 691 watched

67.3 K

Published 27 Aug 2020

In this video, I will show you EXACTLY when to pay credit bill to increase your CREDIT SCORE! All my recommendations 👉🏾 https://bit.ly/naamwynn 🚀 Up Your Credit W/ Credit Collective: https://bit.ly/3Uzrcse 💳 - FIX Bad Credit Today 👉🏾 https://bit.ly/3s83hUz Repair Your Credit: 💳 - D.I.Y Credit Repair Letters 👉🏾 https://bit.ly/34SpsPw Credit Builders: ⮕ Kovo 👉🏾 https://bit.ly/3mPfsn4 ⮕ EXTRA 👉🏾https://bit.ly/3zoI8q1 ⮕ Brigit 👉🏾 https://bit.ly/3jZVgdO ⮕ Grow Credit 👉🏾 https://bit.ly/3IyjPaN ⮕ Self 👉🏾 https://bit.ly/3cuKkA8 ⮕ Credit Strong 👉🏾 https://bit.ly/2ZRmCIu ⮕ Kikoff 👉🏾 https://bit.ly/3H9EGRm ⮕ StellarFi 👉🏾 http://bit.ly/3V7jYbT Current Recommended Credit Cards: ⮕ Current Fav's 👉🏾 https://bit.ly/3Ftdmwp Business Credit Lines: ⮕ Revenued Business Card 👉🏾 https://bit.ly/3TfwAgw ⮕ Capital on Tap 👉🏾 https://bit.ly/374QB36 ⮕ Ramp 👉🏾 https://bit.ly/3MNpHAC ⮕ Divvy 👉🏾 https://bit.ly/divvyimpact ⮕ FREE Divvy Credit Builder 👉🏾 https://bit.ly/divvyimpact ⮕ Brex 👉🏾 https://bit.ly/3ybAhtc ⮕ Torpago 👉🏾 https://bit.ly/2WHITKT ⮕ Nation Biz Capital 👉🏾 https://bit.ly/3fJqNyt ⮕ Credit Strong 👉🏾 https://bit.ly/3STtob9 Credit Monitoring ⮕ Score Master ($1 7-Day Trial) 👉🏾 http://bit.ly/3HZ3cIN ⮕ Credit Karma 👉🏾 https://bit.ly/2ZWHH44 ⮕ MyScoreIQ 👉🏾 http://bit.ly/3Y31yu8 ⮕ IdenityIQ 👉🏾 https://bit.ly/2SYnwPV Investment Apps: 💰 BLOCKFI: Get $10 of BTC: https://bit.ly/3kb9p7Q 💰 ROBINHOOD: Get 1 Free Stock! https://bit.ly/3hW5HvQ 💰 WEBULL: Get 5 FREE STOCKS! https://bit.ly/382Vi1b 💰 M1 FINANCE: Get $30 To Invest! https://bit.ly/3brfkPI Loans: 💰 Bankrate: Up to $100K Loan: https://bit.ly/3ivxSng 💰 Uplyft Capital: Up $500K Biz Loan: https://bit.ly/3KiYxQl 🚗 Compare Auto Insurance: https://bit.ly/3pIWCzD 📲 Book A Call w/ Naam 👉🏾 https://tidycal.com/naamwynn If you ever wanted to know more about your credit card bill and how to maximize your credit score, you're in luck! First, I will go over everything you need to know when you receive your credit card bill or credit card statement, and explain all the terms you need to know. Next, I will go over the specific strategies you should take to get the greatest improvement to your credit score. By the end of the video, you should exactly how and when you should pay your credit card bill to increase your credit score! Enjoy! ❤️ If you find my content helpful, become a channel member and SUBSCRIBE! 😎 - http://bit.ly/332QAtI ================== 📷 📷VIDEO SETUP📷 📷 ================ ► 4k Camera: https://amzn.to/34XXtNM ► Main Lens: https://amzn.to/358hvFL ► Vlogging Lens: https://amzn.to/3bwhkGy ► Main Mic: https://amzn.to/2POVtRs ► Main Light: https://amzn.to/2Kq8RsD ► Hair Light: https://amzn.to/3eIcXdp ► Fill Light: https://amzn.to/3g1Rrj3 ► Tripod: https://amzn.to/3cFVVuw DISCLAIMER: This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support! #creditcardbill #creditcards #creditscorehacks

Category Education

Comments - 2727

@

@NaamWynn4 years ago ❤️ If you find my content helpful, become a channel member and SUBSCRIBE! 😎 - 252
@

@messagewwwcyberhackspy202n68 months ago I consider you Mr Web Backdoors to be both a professional and mentor to those in your profession. I can always rely on your feedback and thoughts. I know that the door is always open for communication with you, which makes each process we work on together so much easier to complete. You are such an incredible problem-solver. Wow. Just wow. ... 225
@

@roselover3996last year I dunno… I was one of those people that didn’t care about a credit score, didn’t get any education about how important your credit score is, and I racked up debt like an idiot. I worked really hard and educated myself and I’ve brought my credit score from 480 to 690 and I’m still going up with Top Phase Resolution . I feel like the government blaming credit reporting companies instead of the lack of financial education in their own public education system is foolish. ... 251
@

@ahmetenis43829 months ago I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in COGNITIVE HACKS and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!! ... 468
@

@lucacervini37048 months ago I may not know Web backdoors that much, but this video right here gave me all the info I need to know about him. He's expert, kind and a concerning person to those who need it most, he doesn't care what others think about him but he also cares about everyone else who needs to be cared for. That's a real YouTuber imo. ... 202
@

@Ahmet-wf8dn9 months ago I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and Web back doors was so helpful during the process of boosting my credit. ... 222
@

@jackiraguzman17242 years ago Back in my country, I owed a debt for a car, the car was repo for the balance( I gave back the car). Debt collector went to my old address looking for me. I got a hold of the letter, emailed them asking to clarify the debt, explaining the balances, surprised! They never responded! I felt this was some third party trying to get some commission money through a fake debt collector company. I had no knowledge prior I got a derogatory showing on my credit report. It came from a dental company that I owed money to. They send it to a collections agency. I settled with them with Discreet phase resolution ... 323
@

@ruyakeskin1451last year I have 2 chapter 13’s that are dismissed. The reason I have 2 is bcz I did not use an attorney. I was trying to stop an eviction, but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later, I ended up losing my job. They are scheduled to fall off in January and March 2021. Since I’m looking to purchase a home soon but still there. I am currently enrolled in Top Phase Resolution and I must say, I am loving it thus far. I’m doubling it up with your podcast videos and learning A LOT! Thank you. I’m ready to join the millionaire club!!! ... 235
@

@DRAGONE_WARlast year I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Marvin and Top Phase Restoration was so helpful during the process of boosting my credit ... 253
@

@rachellehornyak28062 years ago “ I’m proud of you. Something I wish my parents said” 🤣🤣as an Asian American bruh I felt this. 😂😂 thanks for the info man! 9
@

@noreenperez86663 years ago I always pay my credit card, a week before due date, my credit score over 850.😀 69
@

@israfilnabiyev55762 years ago I dunno… I was one of those people that didn’t care about a credit score, didn’t get any education about how important your credit score is, and I racked up debt like an idiot. I worked really hard and educated myself and I’ve brought my credit score from 480 to 690 and I’m still going up with 85OCREDIT RESTORATION . I feel like the government blaming credit reporting companies instead of the lack of financial education in their own public education system is foolish. ... 12
@

@otgbaby46153 years ago You’re a life saver! How does high school not teach this stuff?? Why is learning about what happened 500 years more important than learning how to be an adult! 9
@

@azizdoruk70839 months ago I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in 85O Credit Rest0ration and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!! ... 2
@

@uzel1163 years ago I’m 17 and this helped me gain a understanding why can’t schools teach us this yet we have to learn leaner equations🤦🏻‍♂️ 781
@

@KennethBostonian3 years ago I pay on my credit card weekly. My minimum payment was 26.00, so I paid 26.00 weekly because of this payment style. I was given a credit increase of 5,000, and my score jumped up 21 points. I only use a credit card for everyday life. I never use a debt card. I borrow from my self, never from a bank. I’ve learned the hard way in life after 2 bankruptcies, and now a score of 720. The second one will not be off my credit report until 2024. Big mistakes in life, but I was able to correct them. Thank GOD. ... 216
@

@fghfghfghfgh77822 years ago When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not me meeting 85O Credit Rest0rati0n ... 257
@

@JenniferVeelast year The myth where you said “ppl say keep just a small amount of money not paid to show them your still using your card” fr !!! That’s what everyone tells me ! So glad u addressed this ! I had a credit card of $400 n I just paid $200 right now — but after u stated this ima go back & pay the other half !! ... 4
@

@mimiwallen4 years ago You’ve absolutely earned my subscription and 👍🏼! I’ve yet to find someone on yt that’s done a good job of making this explanation simple, simple and you’ve got it dude! Oh and the added humor makes the delivery of your msg even better. ... 5
@

@Annabee3993 years ago Oh, Yes! I used this strategy and my credit score is 835 and I purchased a home with a 2.7 interest rate. 224
@

@EasyAutoLoanslast year this channel is actually fairly on point i must say and not the worst map to follow to improve, fix, and in general build up your credit.
@

@sarahmoss37483 years ago I have a total of 70k in limits i use only one card and pay it off every single pay check (every 2 weeks) I average about a 2k balance at any given time.....don't let people fool you into thinking if you pay your cards off too quick you wont have as good of a score lol my score is 817 with little to no effort and I do not currently have a mortgage. People will sometimes try to tell you too that without a mortgage you really can't get your score thatttt high. But that's false. Never pay interest on anything wherever you are able to make that happen! This so important for young people to know before mistakes are made! ... 16
@

@anthonymfly36312 years ago Finally someone that explains how to use it instead of pushing me towards certain cards. Thanks for the video. 3
@

@AJ_DGAFlast year I'm so glad I clicked on your video! I was watching other credit videos & they all were telling me to keep a small balance on my account when my cycle rolls over so that way when it reports, it is showing the credit bureaus that I'm using a small percentage of the credit on the card. But then that raised the question of interest charges and contradicted their advice on paying the statement balance in full. I love how you pointed out that this is a myth & your video helped me answer my question! 😊 ... 1
@

@michaelsubia57024 years ago pay in full 4-5 days before the day of the payment 464
@

@705jb4 years ago this is awesome - thanks. i’ve been considering making extra payments during the month to keep my utilization low, but i didn’t consider the effect on my automatic payments since my auto payments are always for the new balance. i guess i will keep my auto payments set up as is. thanks! ... 6
@

@mithatkaya6878last year Your help was unexpected, it turned out to be timely such a divine intervention, I can’t thank you enough
@

@henrylouis53284 years ago First video I’ve watched on your channel and I love the way you inform. Definitely looking forward to learn more, very helpful and no confusion! 7
@

@JessieOpportunityCostInvesting4 years ago Watching this was like a breadth of fresh air. Sometimes I struggle on the definitions and the dates because I pay them off so fast without thinking about it. Thank you for sharing! 42
@

@foreverbrownbeauty11182 years ago I am so happy I ran across your channel. You explain so well like a teacher. No fluff just straight and to the point. God bless you have helped me tremendously more than you know. 6
@

@marleenchavez66933 years ago OMG THANK UOU SO MUCH FOR SHARING YOUR KNOWLEDGE !! 3
@

@jocelynegomez44013 years ago This was SUPER helpful I’ve been breaking my head trying to figure this out It’s my first time ever getting a credit card I’m glad I found you! 3
@

@Jtitor1773 years ago When it comes to credit...I have learned the most from your channel! You rock!!! 5
@

@mislady56last year Thank you Naam for explaining this $ madness & making it easy to understand.
@

@brendaloose17182 years ago Awesome advice and understandable. It’s not boring and it’s not difficult to understand. I can’t wait to see more of his videos 2
@

@MsAppleseeds2 years ago To simplify and provide more clarity, what he did not mention is, there is a closing date and due date. Your closing date is when your balance is reported. Keep in mind the closing date can come before or after your due date so make sure to meet both requirements. The key is to pay as much as you can toward your balance before the closing date. To get automatic limit increases, frequently use most of if not all of your balance, but make sure you pay most of if not all the balance back. They interpret this as you need and can handle a higher balance. I’m speaking from personal experience. I don’t use credit cards as extra money. I use what is in my checking account and pay it back, 1 to maintain a high score and 2 to get cash back from the credit cards like Naam said. ... 92
@

@johnpaulbacon83203 years ago This was helpful thanks for doing this video. 3
@

@riohenry63823 years ago I didn’t know about keeping your credit utilization low. Thank you so much !
@

@moseswilliams92962 years ago Great information, straight to the point, we love it💪🏿💯
@

@triplexraes91774 years ago Great video, Answer every question that was in my brain lol 13
@

@theliamkeane3 years ago WOW! I learned something new. Thank you Naam! 1
@

@kellyaustin74874 years ago Man I'm trying to get it together. Thank you brotha, one love. 7
@

@vita49073 years ago Thank you for this information. First generation of using credit cards my parents aren’t from here so this stuff is all so confusing, they don’t teach any of this in school. Thank you, God bless 1
@

@vanwells19022 years ago Thanks a lot bro💪🏾💪🏾 this was exactly what I need to know 1
@

@JP_IN_TX3 years ago Excellent information. Keep your credit lines to a maximum of 35% utilization. Pay off as much of that 35% each month as humanly possible. 10
@

@brian18014 years ago Naam -- I am proud of you. Bright young man with an even brighter future. Thanks for using your talents to help others. 13
@

@konduit-fo7md2 years ago BRAVO!!!!!!!! BRAVO!!!!!! thank you for the information and making it simple to understand.
@

@lundinarou49713 years ago I currently have a 680 and always pay my card on time … however my utilization was pretty high the first few months 😭 14
@

@gseric47213 years ago Improved my credit score by 20 or so points and just got a credit card. Thanks so much for this video.
@

@rhitter943 years ago Great video! My situation is that I can't afford to pay off my credit cards, but once they are paid off, trust me, I will be using this strategy. 1
@

@yusraqurashi89443 years ago This was so helpful!! Thank you. Wasn’t boring whatsoever I can’t believe how quickly the video finished. 3
@

@blueclearsky4 years ago Thank you for your time. Just recently found you as well. 4
@

@missdesireindependance51943 years ago Great video. I don’t worry about utilization because after I pay off the card my score usually goes up. This is only a issue if you try to get a mortgage or car. 1
@

@themast3rbat3r3 years ago My bank gave me a credit card limit of 4K on application…. I immediately set a card limit of 500 that was manageable to pay of in full each month. I don’t need the extra 3500 but having that available and clearing card each months also helps as it shows the banks you can control your credit and your score goes up.. ... 5
@

@TheLookatit3 years ago I try to pay some ever Friday because if I wait then im sure im going to spend that money on unnecessary things like wants and not my needs... 10
@

@michaelanthonygutierrez3 years ago Thank you for this video and all your content
@

@shan17423 years ago Wow so transparent and easy to follow! Thank you!!! 16
@

@chagofrr3 years ago I didn’t really know much about credit score but you’ve completely explained it, Thanks a lot man 👍 28
@

@carlosalanderos4 years ago Thank you thank you and thank you again!!! I loved this video and this has helped me better understand how to increase my credit score!!! You awesome!! Wow just thanks!! Had to Subscribe 3
@

@janehonda40733 years ago that's what I was looking for. Thank you!
Subscribed. 3
@

@SimilakChild3 years ago Three things:
1. make sure the balance you owe doesn't exceed 25% ~ 30% of the overall limit
2. make sure your cash advance balance doesn't exceed 50% of the overall cash advance limit
3. Pay about a week before your next expected statement (due date), because that is when your credit score gets updated too. ... 65
@

@Matthew128753 years ago Thank you for your service brother. Semper Fi
@

@meareAaronlast year Thanks for the educational tips ive learned a lot from this video 2
@

@whodywhoo61223 years ago Thanks for the advice appreciate it naam 6
@

@NoPlace-LikeHome3 years ago Thank you for this! You were very simple in your explanation with details 1
@

@thealigators88152 years ago So bro I have found your videos-lessons to be very helpful and educational. I am getting stumped on the best day to pay part though. I am on a fixed income and have 14 credit cards 7 of them are carrying a zero balance and the rest have a grand total of about 400.00 between them. I have been thinking of getting the "due date" on them all moved to the same date, Idk my credit score would bounce up again with Discreet phase resolution It’s fully guaranteed and safe and I know this because my cousin has used em to increase his and it’s been two weeks now without any sort of trouble , I’m telling you , they're the best. ... 324
@

@kendry03303 years ago I literally couldn’t find a comment that wasn’t a bot
Other than that good advice 👌🏽 10
@

@anka-hy2sb4 months ago I really appreciated this video, as a medium-term Prime consultant 001 holder. I know you commented on not many people paying attention to this, but it was very relevant for holders such as myself. After watching your thoughts, I will buy more. I also remember your earlier assessment. This will crush the market. ...
@

@kobylomax3 years ago this was the best video on credit omg thank you so much! This is the best explanation i have seen yet! I was so confused trying to learn all of this stuff and this made it so simple and easy to understand! Thank you! 4
@

@alesandrohoxha7742 years ago If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market. ... 204
@

@timbahr17923 years ago Thanks man this reallly helped me. I also just got my first ever credit card and it only stated annual payment. I thought that was yearly. Now i know its monthly 5
@

@hypnoticz94 years ago Been following this strategy for a few months now. I have to make several payments a month just to keep my utilization low. 23
@

@ADPeguero3 years ago Nice! Thank you for your service Marine.
@

@rankontop50414 years ago Just scrolling and seen this, will say you broke it down easy. Straight to the point. No fluff 💯💯 people need to know this.
Should also do a video on FICO 10 that's coming out at the end of the year that's going to affect everybody's credit. ... 15
@

@callmenonet3 years ago This is helpful, thank you for sharing
@

@dariva19904 years ago The Fresh Out Of The Boat parents! The Jesus Toast! LOL Love your sense of humor. 12
@

@phillynurse94922 years ago Thank you for this informative content and I can say for certainly that is absolutely correct. I pay my credit cards off in full every two weeks, when I get paid they get paid. My credit utilization is always below 10% I only spend what I can afford to pay off. I applied for a loan (unsecured) to have my bathroom remodeled and when they ran my credit my score it was 909 they gave me a loan at 2.99% interest rate the lowest introductory offer. I learned the hard way like everyone else to educate yourself and respect the power of budget and spending. ... 3
@

@Shadownian3 years ago There’s one thing these videos tend to forget to mention which got me confused for a while. I heard pay your bill in full..so whenever I charged something I always paid it a day or at most a week later. So I never had a bill with any balance. Wrong thing to do. Wait for that bill then pay it. If you have no balance when the billing cycle comes around then nothing gets reported to the credit bureaus. So for that billing cycle leave a balance and then pay it so it’s reported to the bureaus as a paid payment which looks better then no bill at all. ... 118
@

@jamesgonzalez17742 years ago Thank you for putting this video it's helpful
@

@shonnie0893 years ago Thanks for this information. The way you explained credit card payments is just how I have been doing it which helps explain my credit score. Now I have a greater understanding! 3