FIRST, TAKE AN ENGLISH COURSE, man your comment is grammatically terrible. Check your total history and make sure all of your credit cards are yours and check your balances on your cards. If you are increasing debt each month due to interest charges on your card, your debt:income ratios are dropping and your scores are dropping as well.
clusterin's reply was:
Agree. Paying in cash right away without using credit is not the way to work the system. Pay with credit, use cash to pay off at each statement date. Most online payment plans allow you to schedule a payday a few days before your bill is due. This way, you get miles, cash back etc.... Using cash immediately is NOT the best way to work the system. Remember not to use your credit more that 10% of your limit or it hurts your credit. Spread the charges over cards to maximize their impact
You are absolutely correct. there is no payoff for using cash. All they care about is debt to credit card limit. To increase your score, increase your credit card limits and get the denominatior elevated.