As someone mentioned upthread, needing a polished credit report at this point is futile for Chantal. She's not looking to buy a new house, or anything important that requires A1 credit history.
She's probably using credit cards she's already had. Not to mention she used to ask Peetz and possibly others for money in the past, probably to help when she fell short of being able to pay in full or even the minimum.
Since YouTube pay is inconsistent, meaning, the amount one gets varies from month to month, perhaps she pays higher amounts when her income allows her to for that month.
Say one month she makes only $2,000, between rent and utilities that may only be enough for a minimum credit card payment. If she's blessed to receive about $4,000 for another month, she may put the extra $2,000 towards her credit bill. Who knows?
This is all speculation of course, and I won't shit up the thread by sperging any further on how she's surviving financially.
One thing for sure, and two things for certain, the fat ass clearly isn't starving and she's still a financially irresponsible idiot no matter what means of finances she uses.