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Originally Posted by Diolla
I am not trying to be flippant but isn't the best 0%? Then you don't have to pay all those finance charges. Running a balance doesn't help you score so why not just pay them off as soon as you can and then don't charge more than you can pay off each month.
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Even if you pay off your card in full each month, the utilization ratio still matters. My credit card never has a $0 balance, because I use it regularly. So even though I always pay my bill in full, my credit report always shows a balance and my credit score would reflect that.