Post #2144858
2026-04-23 20:51 UTC
Replies (9)
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@WoodshopHandman@poa.st 2026-04-23 20:54
No, it's true.
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@PunishedD@poa.st 2026-04-23 20:57
@Turdicus Completely untrue, unless she used another loan or CC to do it. Credit score looks at the ratio of debt to credit limit, and total # of accounts you have open. There's a slight effect from having a track record of repeating (reliable) payments. If she is literally paying nothing anywhere else, and has no previous payment history, that could affect her score. But if she regularly pays some bill, especially with a CC, she's fine.
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@sapphire@shortstacksran.ch 2026-04-23 20:58
@Turdicus it’s marginally true: the impact isn’t from paying it off, it’s from closing the account if she’s doing that as well
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@BowsacNoodle@poa.st 2026-04-23 21:11
credit cards? no. Revolving debt like cards stay open. Loans yes. Utilization rate is second biggest impact on score after payment history
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@James_Dixon@poa.st 2026-04-26 02:41
> This is untrue right? It's probably true. But unless she's planning on buying a house what does she care about a credit score? It's not a factor in your day to day life.
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@VIcFury@poa.st 2026-04-26 05:59
https://youtu.be/5Jlc69wqNA0
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@pepsi_man@poa.st 2026-04-26 06:39
@Turdicus Nah it's real, but here's the life hack. Credit scores don't fucking matter. Pay cash and if you can't afford it, don't buy it.
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@Deplorable_Degenerate@eveningzoo.club 2026-04-26 06:52
I don't know about now, but when I last looked it was not true. It won't GROW your credit score, but it won't diminish it either.
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@vonzeppelin@poa.st 2026-04-28 15:40
maybe a small temporary dip, but pay them off anyway. don't pay cc interest unless you absolutely have to. unless you're taking out a loan for a car or house, credit score doesn't matter anyway. if you are, you can pay the cards in full every month and still have a good score