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how to beat the credit card system for a higher score i want to beat the credit card system and get a higher score really quick im going to show you how for this to work you need at least two credit cards and one debit card heres what youre gonna do first log into your statement and find this date this is your statement end date then find your payment due date youre gonna stop using your debit card youre not gonna put anything else on your debit card youre gonna start to put everything on one credit card on that payment due date youre gonna use the money from your debit or your checking account and pay that minimum amount due then dont touch that card anymore anything you need to buy switch it to card number two lets not forget about that statement date so on card number one by that statement date pay it down to two percent meanwhile youre gonna do the same thing with card number two due date statement date two percent see so what youre doing is youre making your money go i