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Does using a credit card help my credit score?
Do you need to use your credit card to improve your credit score or does simply having the card help. I don't go shopping much and i could only get two credit cards. One for clothes which i rarely buy and the other for medical bills which i avoid accruing. Thinking about trying to get a secured credit card to use at the pump just so i am actively using a card. However, I first want to know if using the credit cards help before i make a hard inquiry to my account.

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