A Reddit user has achieved a 790 credit score by adopting responsible borrowing habits. He primarily uses credit cards for all purchases, paying them off weekly to avoid interest while earning rewards points. This strategy helps maintain a low credit utilization ratio, crucial for a high credit score. Although his overall financial situation is average—holding a mortgage and student debt—his credit health stands out, demonstrating that excellence can be attained through disciplined credit card use. There are currently many credit cards offering attractive rewards, including up to 6% cash back, making it worthwhile to explore options.
A Reddit user has a 790 credit score through responsible borrowing behavior and focuses on rewards and perks when looking for new credit cards.
To maintain a great credit score, the user buys everything possible on credit, paying off weekly to earn points and keep a low credit utilization ratio.
Despite having average finances, achieving a high credit score is possible with strategies like paying off credit cards weekly and using multiple credit lines.
Credit cards can offer significant rewards such as 6% cash back and travel rewards, making it advisable to secure the best offers available swiftly.
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