10/10/2025
Paying your credit card in full every month helps avoid interest charges and shows lenders youβre financially responsible. It also keeps your credit utilization low, which boosts your credit score over time. Some people mistakenly believe leaving a balance helps build credit, but thatβs a mythβwhat matters is consistent on-time payments, not carrying debt. In fact, leaving a balance can cost you money and hurt your score if it grows too high. ππ π³
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