Strongly considering switching everything possible to CC, would make my personal accounting system much easier then the current

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[–] 7 points 11 hours ago* (last edited 11 hours ago)

No. That won’t help you build your credit. Having credit available is surprisingly more important than using it. What you need is bills in your name, bank account, lease you’re on, recurring payments to something like a phone that is auto-pay, direct deposit paycheck, and 100% on-time payments.

Your credit card should be paid off entirely every month or twice-monthly.

That said, if there is no credit card fee, you can often benefit from credit card rewards. I would say use the credit card as much as you want, gaining “points,” as long as you can always pay it off.

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