heres the trick for a great credit score......... having a revolving balance in your credit card in the ratio of 80/20 is the best 80% available credit and 20% used balance......or simply........if you have 1000 credit limit..........and you have used 200 and you have 800 to spend ......keep it that way in all the credit cards and your credit will be in the upper 700s...dont be 80% to pay and 20% remaining balance to use.....thats bad.....hope this answers your questions.