Early bird: early payers do not carry no credit card debt. If you are a bird early, you pay probably all your accounts, in full soon as you receive them. Your payment or rent of mortgage, auto loan, and other regular monthly costs are sent always far before your due date. Your accounts are generally extremely high. Sometimes early birds are so diligent about his credit that close old accounts that need no more. Since the credit history encompasses approximately 30 per cent of their personal credit accounts, closing old accounts can download their accounts significantly.

The credit is a convenience rather than a loan for a bird make early changes of mortgages. Punctual Polly: pay the time and pay the greater part of the balance. Punctual Polly plan typically account – pay matching each month, when all the checks are written and occurs the pay account online. The accounts usually pay in full even if you buy them important to pay down for a few months. While the credit serves as a convenience for punctual Polly, it’s used occasionally as a short-term loan. Credit accounts can be as high as early birds. Hang in there Harry: usually paid time. However, the payments tend to be just a little more than the minimum amount due.

They have substantial credit card balances. Hang in there Harry becomes front with greater income than monthly monthly costs. Either there is spending on course, as if credit cards are discretionary income; Hang in there Harry income does not cover basic living costs; or a certain type of event had life – that shined it caused a dramatic increase in the cost, which is paying slowly off. What could the reason for this financial quagmire, hang in there Harry transition to sink to Sam if payments is more robust cannot be in these credit card accounts.