Short history. I forgot several times to pay a Macy's card when I was 22 or so and my score is now +\- 610. I have never missed a car payment in 5 years at $400 a month with 10 months left to pay. My wife who has a score of 750+ put me on her Chase freedom card and we spend about 30% and pay it off and we do that twice a month. I recently got a Slate card with a $200 dollar limit simply because of the freedom card. I have no outstanding debts to pay, the one Macy's acct was charged off
and the other I closed (before I knew I should have kept it open). I am now looking at building my credit steadily and keeping the one card for now.
I plan on using it to pay for some items I would normally use my debit card for and pay it off every month with not having more than $60 on it at one time. I make roughly 40k a year have two savings acct (one is at a credit union where our parents put in x amount of dollars for every deposit without a withdraw). I'm 28 now and have bought and paid for all of my necessities so no I need/want this going on and have been very good with my money for the last few years.
What would you fine people do for the next 6 months to a year if you were me?