I started out making multiple payments a month but now just make sure the balance is at zero before every statement and leave it at $0 a few days before and after payment would be due (my due date is the 1st, had it at $0, used it on the 3rd for new cycle and it showed a balance when they reported to bureaus).
The app is very convenient and easy to use, the rewards add up (free $21 so far), and my credit scores through CK went from lower 500s to lower 700s.
At the 8th month now I just got an email they're returning my deposit and giving me a $2500 credit line.
It's a fantastic way to build credit- responsibly. Couldn't be happier, unless I suppose they gave 10% cash back =D ave… read more