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Posted in Paying Your Bills
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Question By
allie850

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Is it better to have $0 balance or have a balance for every bill?
Should I have a couple credit cards that I use more often & have a few backups that don't have any purchases on them or is it better for my score to charge a tank of gas or trip to the grocery store on a card & pay it off each month?

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Top Contributor
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Best to show a use on the card and pay it off in full when the bill arrives.  You don't have to use a card every month, just occasionally.  Another thing you could do in some cases is assign the use of a card for the power bill, one for your phone, one for insurance.....regular bills you currently have every month then pay the card when it comes in.  You have to make the payments anyway, why not let the usage of your credit card benefit to keep your score up?  A friend who receives Social Security has his card payments automatically deducted from his bank account every month and his credit score is excellent because those regular payments carry weight!

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