Will my credit score hurt if I only spend few percent of my card's credit line

Question

hi everyone, I have a credit card with $3500 credit line, but I only spend $50-$150 every month on this card. Will this hurt my credit score? can someone help me please. thanks

Ps: I am a student and I don't have a part job now, so spend more will is not the best way

Answer 1

1. the less debt, the hier yer kredit skore

2. how much yu charj on kredit kard not relevant as long as yu dont go over yer limit

Answer 2

it shouldn't do, it is actually a very good way to improve and give you a good score, There is no point in being in unessecary debt just to improve your score. however by using a clearing your card each month it is showing that you are reliable and credit worthy.

Answer 3

Actually, it will do the opposite.

You're keeping credit active, and you're keeping the balance very low.

This keeps the score up!

http://www.myfico.com/CreditEducation/Wh...

Answer 4

I am confused about your question. Why is so much emphasis being placed on credit score? The secret to wealth isn't borrowing money, it's loaning money to others. This is done through mutual funds, stocks, Certificates, and other vehickles for building wealth.

Answer 5

~~Actually it improves your credit score. The higher your debt ratio is shows less responsibility. You are doing what is perfect, starting your credit, maintaining it responsibly! You will have a great credit score.~~