Should I leave a small balance on my credit cards at end of the month or not I am trying to increase my score.

I currently pay off my credit cards in full every month. I am trying to increase my credit score and was wondering if instead of paying off the entire balance each month I should leave a small balance on my cards? Any response would be greatly appreciated.

Public Comments

1. i think it's better if you pay for your purchases in full on or before due date.
2. pay off your debt fully each month, but dont close the account and this unavailed credit will increase your score.
3. Although its gud that u can pay off ur credit cards in full every month, it wudnt hurt to keep a small balance on them for a say bout six months or so then pay it off. By carrying a balance, even if it is small, it shows that over the course of a period of time, u are capable of making ur payments on time. It will work a little better for u as far as establishing ur credit rating.Also, when u think about it, when u go to apply for a mortgage or car loan, chances are u arent gonna be able to pay that loan off in full straightaway.
4. You do not have to leave a balance on your card. If you are wanting to show that you make payments on time every month, then you should pay the balance off. But every month charge something new but small, like a candy bar. Then when the bill comes in pay it off in full. That way, you are not paying interest on any items but you are still showing good payment history. this is the best way to do it to avoid interest.
5. the honest truth....No one really knows Some say paying off in full each month is best, but if you think about it logically, that doesnt make sense. Credit is all about borrowing money, and being able to pay that money back. Most things you want to build credit for, you wont be able to pay back in a single month <house and car primarily> so showing that you can use your credit card instead of cash, eh..whatever. It makes more financial sense, not having to pay interest however. So some people say pay it off, some people say use it as a revolving account like your saying. I pay mine off, but i also have excellent credit, when i didnt have excellent credit, i kept a balance, no matter how small it was.