Re: Credit Score
It's true, for your credit HISTORY, you need to establish that you used and paid the card, not just opened the account. Risk is considered less if you prove that you can manage CREDIT, and pay it over time (basically so that if you have a debt like a mortage you can't pay off in one month, you have shown that you can manage and be responsible over a longer term payment schedule).
There is a balance, in that you need to show you paid it off in a timely manner. Making small or minimum payments counts against you.
Timing during the month matters, as someone else stated.
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