Page 107 - Credit Matrix: The Path to Financial Liberation Red Contract

- **Direct Reporting**: Each of these $3 transactions is reported individually to the
credit bureaus by your credit card company, illustrating frequent credit utilization
and timely payments.
- **SuperPay Enhancement**: By using SuperPay, these transactions get an
additional reporting boost, effectively doubling their presence on your credit
report.
- **Rotating Cards**: If you switch the linked credit card in your SuperPay account
every month, you spread these benefits across different lines of credit, enhancing
your overall credit profile.

**Benefits and Considerations**

- **Frequent Positive Reporting**: Regular, small transactions that are paid off
promptly can improve your credit score by showing consistent and responsible
credit usage.
- **Utilization Management**: Since public transport costs are generally
predictable and modest, they are unlikely to cause high credit utilization, making
this a safe strategy for most people.
- **Budget Awareness**: Ensure that the total of these small transactions fits
within your overall budget and doesn’t lead to unintentional overspending.

**Conclusion**

Hack #8, The Daily Transport Credit Boost, offers a smart, targeted way to turn
everyday public transport expenses into a series of small but impactful
credit-building activities. It's a practical and low-effort method, especially suited
for regular commuters. By carefully selecting a credit card, linking it with
SuperPay, and strategically managing your transport expenses, you can steadily
enhance your credit score, one ride at a time.