So, I got me a credit card at 18, and have been irresponsible with it since. I have a $700 limit, and have never really been in a position to control that much (believe it or not) until now.
Here are my options right now:
- Pay it off entirely, and use the credit card to pay off bills.
- Pay off a portion of it, like half, and pay the rest in a month.
- Make a much better effort of paying the monthly payments, or reqular payments to get it taken care of sooner.
Cutting up the card is definatly in my near future, but I want to make sure it's taken care of before I do that.
What is the best route to make strides towards improving my credit raiting?
Any help would be appreciated.
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