Myth #3: Always pay your credit card balance in full and that will give you the best credit.

The problem is if you have no balance, if you leave your credit card with no balance, you'll have no payment history. You'll want to leave a little bit of balance on your credit card every month (Ideal amount is 1%), to show that you can pay on time. Don't just pay off a balance and leave it at zero balance account ongoing, because after six months it's typically at as an inactive account, which give you really no major positive. Where, if you use the account every

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