730 credit to 594 in a year. What can i do to build it back up and keep it going up? I am 21 male and i live in US Georgia. I fucked up and was just using my cards for anything. And eventually couldn’t pay it back. So all my cards are maxed out besides one.I have 3 credit cards Apple($2k), Discover($1k) and a Capital one ($300). I have $3k debt. I plan on using my income taxes to pay them at least 80% off or a full 100%.My problem is how should i handle my cards after? Should i throw them in a box and forget about them? Should i use them for small things like gas and pay them immediately after in full?What will help me? I don’t have any loans or other debts. I have had my discover checking account closed because i was negative $70. I forgot about it and didnt know how checking accounts worked at the time.