Improving credit score

chapeshis94

My credit score is stable (not going up or down) and i want it to improve to full. The only credit cards that are approved for me have a high APR percentage (between 30% and 40%). Does this matter for me as I will be using it for my work travel etc which as soon as i have use i will instantly transfer from my debit card to keep it up to date. If I could get some advice i would really appreciate it. Thank you

jonesMUFCforever

Only you sees your score!
Nobody else gives a scoobies about it.
If you do get a card better to pay off a statement balance rather than do it after every transaction.

onlyfoolsandparking

chapeshis94 said:

My credit score is stable (not going up or down) and i want it to improve to full. The only credit cards that are approved for me have a high APR percentage (between 30% and 40%). Does this matter for me as I will be using it for my work travel etc which as soon as i have use i will instantly transfer from my debit card to keep it up to date. If I could get some advice i would really appreciate it. Thank you

Could be worse, my Transunion 'score' went down to 610 and my Clearscore 'score' went up to 507 LOL and that is why credit 'scores' mean NOTHING! Just make sure you set up DD,s to avoid late/missed payments and you'll be fine.

D3xt3r5L4b

chapeshis94 said:

My credit score is stable (not going up or down) and i want it to improve to full. The only credit cards that are approved for me have a high APR percentage (between 30% and 40%). Does this matter for me as I will be using it for my work travel etc which as soon as i have use i will instantly transfer from my debit card to keep it up to date. If I could get some advice i would really appreciate it. Thank you

Read the stickie at the top of the forum 

born_again

chapeshis94 said:

My credit score is stable (not going up or down) and i want it to improve to full. The only credit cards that are approved for me have a high APR percentage (between 30% and 40%). Does this matter for me as I will be using it for my work travel etc which as soon as i have use i will instantly transfer from my debit card to keep it up to date. If I could get some advice i would really appreciate it. Thank you

What is the point of having the credit card then?
You are missing out on the whole point of a credit card... The interest free period.

All you need to do is pay the debt each month, nothing else matters.
Are you only looking at offers via the credit scoring co's? If you are then STOP.. They get a kick back when you apply. Just the same as MSE do when you go via links on this site.
So just go direct and you might just find that you get mainstream cards with far better interest rates. But given how you are running your credit card. Interest rate is pointless...