marty56 wrote:Which of the following will help raise your score:1. Dont use credit cards at all and keep account open with 0 balance. (no activity)2. Use credit card and pay it off each month. (activity each month)3. Maintain a small balance each month. (activity each month)4. Use credit card once every 2 months or so and pay the balance off. (activity ever so often).Also is there a diference between pay the minimum payment each month (ignore % balance) and new charges in terms of activity on the account. Does it matter anyway.Thank you.