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Question By
MommaDaisy

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Which is better for my score? Leaving a bit of a balance monthly or paying in full?

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It is easy to keep your cards active so your score remains high.  Just have a regularly recurring bill charged to a credit card, then pay it in full every month as you usually would that bill.  Examples would be cell phone bill, monthly insurance or utility bills.....things you write a check for every month anyway.  If you can have no more than 10% usage on the card and pay it off every month, that would be a big plus.

Reply by
nashley333

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Is it better to pay it as soon as the reocurring bill is paid or wait until the cc due date?

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Always make sure a small balance reports in your revolving credit activity. You can still pay it off to avoid interest, but not until after the statement date. You will lose points for not showing any revolving activity.

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