When it comes to understanding your credit score, it can be tricky to figure out how it all works. Should you use your credit card for purchases and pay it off, should you keep a balance for a little while, should you get a new credit card or cancel old ones you don’t use? It can be confusing. If you don’t currently have any credit card balances, you might be wondering what you can do to maintain or even boost your current credit score a little. Should you consider making a few purchases and charging them to your card and paying it over a few months vs. in full? After all, you don’t want the credit bureaus to forget that you know how to be responsible with credit. But how is carrying a balance really affecting your credit?
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