I saw this post titled “Scratch a anti-harm reductionist and a fascist bleeds” (https://lemmy.world/post/33320759)

I commented that “harm reduction” apparently means sending billions in weapons to israel while they commit genocide and shutting down campus protests speaking out against that genocide. I said that seemed pretty fascist to me.

Within an instant, they downvoted my post and banned me. Guess it’s my fault for posting in a circlejerk community, but I’m still scratching my head on how that makes me a tankie. Something tells me this mod would be calling in the tanks to suppress any dissent if they could.

  • subignition@fedia.io
    13·
    5 months ago

    This tangent you’ve been dragged on is so, so irrelevant to the thread, but I wanted to chime in with a couple bits of info that might be genuinely helpful to try to counterbalance the “lmao u doin it wrong and lyin” troll

    First - Even if you pay your statements in full to avoid interest charges, the amount of utilization on the card at the time the report is made to the credit bureau is what affects your score. As silly as it seems, even 10% utilization can bring your score down. I have seen it recommended to stay under 8% or around 6%. So one thing you could do is make a payment a couple days before your statement period ends to fine-tune the balance down to something that will look attractive on your credit report. If you are already able to pay things off in full, this should be doable with minimal shuffling around. Utilization doesn’t have “memory” so one bad month is not going to drag your score down for a long time.

    Second - If you have or can get a credit card with a decent cashback or rewards program, you might be able to put some of those larger transactions on the credit card and come out ahead even with the fees. This is going to be highly sensitive to the specifics though and the card usually needs to have no annual fees or it eliminates the possibility.

    • PhilipTheBucket@quokk.auEnglish
      215·
      5 months ago

      “lmao u doin it wrong and lyin” troll

      Rude

      As silly as it seems, even 10% utilization can bring your score down. I have seen it recommended to stay under 8% or around 6%.

      This is objectively wrong, for this situation.

      https://eu.usatoday.com/story/money/2025/06/14/how-to-build-850-perfect-credit-score-fico/84163305007/

      “And I think the best practice here is to try to keep your utilization under 30%,” O’Leary said. “But I think the sweet spot is 10%, or even less than 10%.”

      If you have a $300 balance on a $10k limit card, you will not lose anything off your rating. If you have a $1000 balance on a $10k limit card, you might lose a tiny amount compared to having a 0 balance, but it won’t be all that much (some fraction of the 3/10 of your credit rating that is determined by how much credit you’re using), and you will as you noted regain it as soon as you pay that balance. Having a 10% credit utilization will in no universe take you from “qualified for a $10k credit line” to “dogshit.”

      Second - If you have or can get a credit card with a decent cashback or rewards program, you might be able to put some of those larger transactions on the credit card and come out ahead even with the fees. This is going to be highly sensitive to the specifics though and the card usually needs to have no annual fees or it eliminates the possibility.

      This part is accurate. Basically anything that doesn’t charge you a separate fee for using a CC, you should use a card for, because most cards will kick back part of their processing fees to you in the form of rewards.