You don't want to do a) because that will raise your utilization ratio which can lower your score. It is better to have unused credit. So I would do b). Pay off the debt and don't ever go into credit card debt again. If you use credit, pay the bill in full every month.
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Steve
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
* The world is a book and those who don't travel read only one page.
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