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porscheblue

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to raise your score is it better to use your credit cards every month or just keep a small balance

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Top Contributor
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Use the card

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and pay the balance in full every month.  

If you don't want to use the card, thats fine, a zero ballance does not have a negitive effect on your overall score.  Use it at least once a year to maintain the account.

Good Luck

Top Contributor
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Use the card as said above.  For best scoring let 1 - 9% of your credit limit show on one card.  If you have other cards let them report a zero balance.

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