@Fido4Fico wrote:I've heard from many that carrying a balance of 30% or below can still help your balance. So the previous person who posted 1-9% would work great if you don't want to pay much in interest.Carrying 0 on a card doesn't do much considering part of how they calculate your score is your history of and making of timely payments. If you don't owe anything and aren't paying anything, then there's not really a history of payment or your history of payment pretty much stops once you stop paying.Also as another tip is to keep a low percentage and make a little above the minimum payment due. If you make $300 or $1 above the minimum payment due they can't tell. It all gets shown as making a payment higher than the minimum due.