Aumente seu SCORE e Entenda Como ele é Calculado

✴️ Get black and metal credit cards with Black Mentorship. Click the link to learn more about our program: https://swiy.co/n703 This is all you need to do to increase your credit score. ↪️ Discover the Black Wallet Method: https://swiy.co/Y04S 🤳🏼 ​​My social media and pages: ● My Instagram @milhascommarcelo ● My free WhatsApp group: https://swiy.co/XSRz 🎈Some videos you might be interested in: ► The 5 levels of credit cards:    • Os 5 Níveis de Cartões de Crédito   ► The right way to pay your credit card bill:    • Quer um Cartão Melhor e Limite MAIOR? Entã...   ► Have only 3 Cards:    • Tenha SOMENTE esses Cartões de Crédito na ...   ► Watch these videos before requesting your Inter Black:    • O que você PRECISA saber sobre o cartão In...   --------------- 🔓 If you don't already have an Inter Bank account: use code FF951525 and get 200 free Loop points! Link: https://intergo.app/242d85c4 💳 For those who want the Duo Gourmet and the Inter Black card: Use code 114D58B6 and get R$ 30 off the annual plan subscription. Link: https://intergo.app/1f148152 ► Understand how to use these coupons at Inter:    • O que você PRECISA saber sobre o cartão In...   --------------- Did you know that paying your bills on time isn't the only factor that defines your credit score? And that there are at least three things banks analyze that you probably have no idea about? Most people think that simply not having a bad credit history is enough to have a good score. But that's not how it works. You can be debt-free and still have a low score. And this prevents you from getting better credit cards, higher credit limits, and access to credit when you really need it. In this video, I'll show you exactly how this score is calculated and what you can do to increase yours. It's not theory, it's five practical actions you can start applying today. You'll discover: Which factor weighs most heavily when calculating your credit score (and it's not just paying on time) Why having five credit cards with high limits can be hurting you even if you pay everything correctly How the length of your credit history affects your approval (and why young people have more difficulty) The mistake that makes your score drop dozens of points every time you apply for a new card Which type of credit triggers a red flag for banks and lowers your score There's an important detail: using overdraft protection can show banks that you can't manage your finances. And disorganized clients don't get high credit limits. I'll also give you five practical steps to improve your score in the coming weeks. One of them is about building a credit history even if you don't need credit right now. It sounds strange, but it makes perfect sense when you understand how the system works. And look, if you apply what I say here, in up to six months you'll already see a clear difference in your score. I'm sure of it. --- DISCLAIMER: The "Miles with Marcelo" channel does not make any type of investment recommendation, credit card advice, or advice regarding airline miles. The content aims to transmit the author's knowledge about airline miles, credit cards, and related topics in a didactic way. Analyze your situation and profile before carrying out any procedure on your own.