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SARJR

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Should I pay my Credit Card balance off every month or keep a small balance

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Go to the Articles tab on the home page here on Credit Karma. At the bottom of page 6 there is a good article on the subject. It says you should pay it in full because then you avoid interest charges, but then it also says you should pay attention to when the creditor reports to the bureaus and make a point to have a small balance at that time. If you pay in full and show zero utilization every month, then for all creditors know your card could be cut up or stored in a block of ice. They want to know you can USE their card (if you're not using it they're not making money) and still pay it off. Zero utilization doesn't hurt your score as much as high utilization, but you're not doing yourself any favors. Between 1 and 10 percent is where you want to be when they report.

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Pay it off every month unless you enjoy wasting money by paying interest when you don't have to.  Read the articles on this site so you can become credit smart.

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Do not intentionally leave balances paying interest just for credit building/scoring purpose.

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