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one4sparkles2

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does carrying a small balance(under $100) even just once drop your credit score?

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No

In fact CreditCard co's like to see a balance. 

Credit cards companies want you to carry a balance because they make money off of you that way.  There are several strategies for paying off credit cards. Generally I advise that cards be paid off right away so that you don't incur interest charges, But there are times when carrying a balance is to your advantage. If your planning to apply for a new line of credit, You can raise your score by showing utilization and carring a balance.  The best trick I know of is only making payments in even numbers.  i.e.  Balance due is $187.65 You pay $180.  Carring a small balance of 7.65 so you pay only minimum interest. So this for several months and watch your score rise. The amount of the balance doesn't matter, the fact that you do does. You become more valuable to the lenders.  If your rebuilding credit, using this method for a longer period of time to help build your credit faster. Consider the interest the cost of building your credit. Once your score is over 600 then only use this method when you plan to apply for credit.  

Once you aquire the new credit line, go back to paying off cards completely.    

Good luck 

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If you're making payments every month on time and it isn't a really large amount of usage on that account, it probably wont.

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