Quote:
Originally Posted by type-dRew
Carrying a balance is better than never using it. No reason to avoid using it if you can pay it off. Using the card up to just over half the limit will not affect your score adversely, over that and it becomes counter productive.
Use it for gas. Pay off everything but $5 every month. Watch your score go up.
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If card A has a reward system that is better than card B, this would be the reason to avoid using card B even if you can pay it off.
For the "Use it for gas. Pay off everything but $5 every month" - carrying a balance also comes with a fee and you can build up your low or mediocre score without paying for it.