I just got a credit card recently, and I thought I knew how to bring my credit up. I figured that if I paid my bill every month, that was really good and you would jump in the ratings. My mom says you should keep a little bit of a balance, and that looks better. That would mean I’d pay the interest rate. Why should I have to pay the credit card company to bring up my credit score? Is this right, and why does it work out like this?
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