Actually it's best to run a small balance... no more than 1/2 if you must... and pay more than the minimum... even if only a few bucks
CC companies report several things ... late/on-time payments, minimum or more than minimum payment, and balance...
It kills your score if you fill a card up
It kills your score if you miss a payment
Filling it up tells them your living on your CC, missing payments tells them you cant afford to have a cc...
Lots of good articles out there on this... The credit reporting companies are finally telling the consumers how they rate them... you just have to look...
And working for a bank helps...![]()
THAT is good to know.




