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This is an easy one, it’s zero. If you can use your credit cards during the month and pay them off in full when your bill is due, your credit scores are going to benefit. If you can’t pay off your credit card balances, this is where things can get tricky as everyone’s credit scenario is different.
Obviously, the best case scenario for you is using your card and paying off the balance afterward in full. This is going to keep your credit utilization low. When you have low credit utilization, your credit scores should increase. On the other hand, if you have high credit card utilization, your credit scores will generally go down.
Now, there’s a lot of factors that influence your credit scores;
Your Credit History
Your Credit Utilization
Your Credit Payments
Your Credit Length
New Credit Inquiries