I stopped using my Credit Cards and my Credit Score went up

So I stopped using my credit cards the way banks and credit cards wanted me to, and my credit score is still going up.

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1. Stopped using my card the traditional way
– Which is basically like American express said in 1979 when my mom was around 7 years old
– Do not leave home without it
– Because you are protected, you get points and a lot of conveniences ( and you also raise your credit score)

However, I’m doing the opposite of what they recommend:
– I only carry a debit card and some cash ( which protects me also from fraud and scammers)
– I don’t care as much about points as use to
– And my credit score is still going up

Now here why:
– Although I use debit 80% of the time I still use credit 20% of the time. ( but only with recurring bills, for example, my internet bill, phone bill, Netflix, and subscriptions are spread around 6 credit cards) – that way the cards stay active but I don’t go into debt and my credit score continues to go up
– Points are cool but human psychology is cooler, the stats say with a credit card you often spend 12-18% more than you would, so getting 1% cash back but spending an average of 18% more just doesn’t make any sense. ( if I spend $500 a month, I miss out on $120 in points but save $1,080 in overspending )
Ps: I know I can use will power and responsible spending, but I like things easy for myself
– My credit score goes up because my payments are made on time, and I keep my utilization super low, and just those two things account for more than 65% of my credit score.

Tip: the point is, you don’t have to use your credit card as the banks tell you. Just put your subscriptions on them and pay them in full each month. ( it’ll save you a ton of money and a lot of thinking)

2. I also got one of my credit cards closed
– One of my credit cards actually got closed earlier this month in November by chase because I forgot to put a small bill on it
– I thought my credit score would take a massive dip but it didn’t and here is why

Factors:
– Credit utilization: how much money I owe overall, if I was maxing out my credit cards, and then an account closed, it would increase my credit utilization which will then lower my credit score. ( not good) – but If your cards are low, it won’t matter as much.
– Credit history: this record will stay on my credit score for around 7-10 years, so as long as I didn’t miss payments and any other stuff, this will not affect my history as much

3. Overall
– The three things I did were simple
– Stopped using my credit cards, and just put subscriptions on them
– Paid them off in full each month ( no interest and don’t carry a balance)
– And then forgot about $120 a year in points ( and invest more, and my dividend pay me around $133 bucks a month)

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