Your credit score is calculated using a mix of data, including your payment history, how much credit you have and length of credit history.
Here's the golden rule: Only charge what you can afford to pay every month in full.
Keeping your balances low will help boost your credit score. Aim to keep your debt utilization — which is amount of available credit you actually use — as low as possible.
There's no need to have a wallet full of credit cards, but having one or two that you use responsibly will help your score.
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