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TimeToRise

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Credit Cards - Pay in full monthly or leave 10% balances?
Ive read conflicted info on this topic. Your help is much appreciated! Not only interested in raising scores, but also maintaining best practices. Also, if I paid my cards before statement date, would scores reflect positively, or simply NO ACTIVITY? Im trying really hard to go in the right directions, however these topics are filled with multiple opposing views, so Im looking for accuracy. TY in advance!

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Pay them in full to avoid interest. All you need is one credit card to report each month to show "revolving activity". Less than 10% of the credit line is what you would want reported to the credit bureaus. Let that report, then pay it off before the due date. Concerning scoring there is absolutely no advantages to carry balances and paying interest.

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