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Can you improve your credit score by buying anything?

Member
Apr 10, 2021
14
Occupation
Cryptocurrency Specialist
I hate dealing with credit scores and my credit in general, but I was curious, with each purchase you make, does that help your credit overall? How does one calculate that sort of thing? What if I spend cash instead? Or in order to build credit, do I need a credit card or debit card?
 
Member
Apr 10, 2021
15
Occupation
Private
Well, if you use your card sure. Most cards have a rewards program as well, so the more orders you make, the more points you get. Think of it like that, in that you can increase your credit score each time you buy something. Even if it's food, a small item, or something unimportant.
 
Member
Staff member
May 25, 2020
39
Boston
You're right. Credit is confusing, the short answer is that it depends on what you're trying to accomplish, but in general spending cash purchases instead of using credit cards will help your score go up.
 
Member
May 26, 2022
25
Occupation
Contractor
In order to have build credit scores, you need to have credit. You need to have plastic or loans or some sort of lease. You can do this without credit cards but it takes longer. Options you have are buying a lease on a car (typically need good credit for this) or starting a contract with a phone service.
 
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