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This Really Chaps My Ass


boo7382

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We just had a similar discussion in another thread... can't remember which one. My suggestion is to not play the credit game at all. It's a joke. The fact that no one really knows for sure how to "increase your credit score" indicates that it's a game the consumer isn't meant to win.

That said, leaving a balance increases your utillization ratio and lowers your score while there is no penalty for paying it off every month, contrary prior comments in this thread. If you feel you have to use it, pay the thing off every month.

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