I was asking banker last month how the whole credit thing works and she tells me that basically if you pay 50% of your balance each month if you cant pay it all then it will still be the same as you paying your complete balance and your credit score would be great. Also if you go over the limit and they have to raise it and you dont pay it off the next month that KILLS your credit score. But like others have said just use it every so often on like gas or milk just so it is active and pay it off and you should be fine. Doesn't matter the total amount it is used. |