Car-Guy
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I can't remember the last time I paid any CC interest but am 100% sure it's been more than 20 years ago (probably more like 30 years). I can't recall the last time I open a new CC account but that is probably at least 20 years ago too. I may have exceeded the 10% credit usage a few times in the past 20 years but I still paid the balance in full at the end of the month... And all of my CC's accounts have been in existence for 20+ years. The only odd thing I can think of is, I've had two CC fraud cases (one for 2k and one for 4k) in the past ~20 years and new cards were issued in both cases... Maybe that counts against my credit score and keeps me down around 800.......
There is a non-credit difference between a 760 score and a 850 score. People with scores at the very top (above 820) get a lot less unsolicited credit card offers (junk mail). This is because above 820 indicates a "never pay credit card interest" and "very seldom open new accounts" behavior. In order to have a perfect FICO8 850 score you have to have the majority of accounts at zero balance with an overall utilization under 10%, an average age of accounts over 8 years and no new credit inquiries in the last year.
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