There are very few things in life that I am really good or great at. But, I do enjoy a PERFECT "850" FICO Credit score. I’ve had nearly perfect credit for most of my life. I got my first VISA card when I was a junior in college. I had a $500 credit limit. When I got my first VISA bill for $100 for gas, beer, movies.... I sent VISA $1000 to pay a $100 bill. And, I had a "credit" for months where VISA actually owed me money because I had money in reserve on my VISA by paying far more than the actual bill. (I still do this today... if my American Express bill is $5000 -- I send AMEX $7500.) Paying MORE than your actual bill helps you with your "credit utilization score" which is a large portion of your overall FICO Credit Score. To earn good credit, pay your bills way ahead of time, pay more than the actual bill, and never spend MORE than what you make.