I will also be giving out a free credit class this week who wants in?

The **due date** is when you must pay at least the minimum amount to avoid late fees and keep a positive payment history. The **reporting date** (or statement closing date) is when your credit card issuer reports your balance to credit bureaus, affecting your credit utilization and score. To manage credit well: - Pay before the **due date** to avoid penalties. - Pay down your balance before the **reporting date** for lower utilization. Reporting date is usually 3 days after due date slay the day fam

Hello everyone! My name is Blay, and I’m excited to be here and start learning with you all. I recently discover U.S. credit and I’m completely new to the credit system here — it’s very different from what I’m used in France! I work as a security officer in Paris, but now I’m ready to build a strong financial foundation in the U.S. and understand how credit works from the ground up. Looking forward to learning, connecting, and improving together. Thanks in advance for any guidance and support! Warm regards,

Proud Of this community being across the globe!!! you will see this community get value and so much growth!!!!!