Reddit user improved his score monthly by turning off safe pay and when making purchase(s) immediately going into Chime app when the charges made for purchases post from pending to processed status and pay off the charge(s) and total balance of purchases made with the card that each month is owed So each month if the total of your purchases increase from last month and you use Safepay to auto pay your balance amount owed it will report the total purchases as your closing statement balance and drop the score if the prior months total purchases made was paid by Safepay and was reported as a lower balance at the end of the previous month When Safepay is on and auto pays your total purchases each month its reporting it as a closing balance debt even though it is paid off. What Im reading is someone figured out how to boost score.
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