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**VardyCodarexyz** · 05-08-2012, 03:32 PM

Congrats on your milestone! I agree with FLAPS, maintain an credit card and use it, not using one can have a negative impact on your credit score as well, believe it or not. I do the same thing, I make purchases that I pay off before the billing period ends. This shows activity and the ability to pay off your balance on time.

Yes, this. Also, the bigger the credit limit, the better your score. Just use it for small purchases every few months and pay it off electronically before the billing cycle.

05-08-2012, 03:32 PM	#11
VardyCodarexyz Join Date Oct 2005 Posts 405 Senior Member	Congrats on your milestone! I agree with FLAPS, maintain an credit card and use it, not using one can have a negative impact on your credit score as well, believe it or not. I do the same thing, I make purchases that I pay off before the billing period ends. This shows activity and the ability to pay off your balance on time. Yes, this. Also, the bigger the credit limit, the better your score. Just use it for small purchases every few months and pay it off electronically before the billing cycle.
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