Whats better for your credit score, pay your full credit card balace or keep a portion unpaid?

Question

Whats better for your credit score, pay your full credit card balace or keep a portion unpaid?

Answer 1

pay it all each month

and keep the highest balance below about 30-35% of your credit limit

Answer 2

The longer you have an account open the better for your Credit. Make sure you are never late on payments. And if you apply for something make sure you don't apply a lot because if creditors keep running your credit it will effect your score also. Once a Year you can get a free credit report from the Credit Bureaus.

Answer 3

both are equally considered the same when it comes to "good" accounts.......it is basically a time thing......you just have to have good accounts standing for a long time.......

Answer 4

Those 2 choices wouldn't change anything.  Paying in full each month is good credit.  Paying something and leaving a balance is good credit.  They are looking to see if you pay on time.

Having a huge balance outstanding is a negative.  So is having nothing outstanding but having the ability to borrow a large amount ( a big spending limit).  Both worry a lender.