Yeah, this. I have 850 credit, and I’ve never carried a balance on any of my cards, not even once. As long as you make your payments on time, even if it’s more than the minimum, your credit will slowly creep up. The annoying thing that lowers credit is paying off a loan. Wrapped up your student loans? Credit dip. Pay off the ol’ car? Credit dip. Really annoying.
Yeah, this. I have 850 credit, and I’ve never carried a balance on any of my cards, not even once. As long as you make your payments on time, even if it’s more than the minimum, your credit will slowly creep up. The annoying thing that lowers credit is paying off a loan. Wrapped up your student loans? Credit dip. Pay off the ol’ car? Credit dip. Really annoying.