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for bills, is having it on autopay with the biller superior to using it manually to pay that biller? I prefer to manually manage all that as I have for years but I figure its beneficial to get that on a credit card and just make sure its paid off. I already basically use a bills bank account to do essentially this manually
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only purchase what I already have set aside/budgeted for and can payoff before the grace period
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anything else?


No it isn’t. A big part of the score is credit utilization and the lower is better. I usually keep mine in the single digits