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Question By
crobin57

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Should we pay the credit balances off, or leave a small balance on the card?
How will the above action affect my credit score?

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Pay all cards to a zero balance except for one. Let one card report about 9% of it's credit line at statement time. You could pay it to zero before the due date to avoid paying interest if you wish. Just make sure you have revolving activity showing, if not you will get dinged on your score.

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