It’s Tuesday, community! 
Talking about credit can bring up some wild questions and some very questionable ideas.
For example, I’ve heard people say, “Carrying a balance improves your credit score,” but that’s actually a myth. Paying your card off in full and on time is what helps your score. Carrying a balance can hurt your credit and cost you interest instead.
What’s the most ridiculous thing you’ve heard about credit?
Funny, weird, or just plain wrong, drop it below! 
Stay tuned. We’ll be sharing more credit myths vs facts soon!
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Is it true that having a zero balance each month ( paying in full by the due date with a zero balance on statement ) is not good for credit card ?
I heard that you should carry a small balance to show you are using the card but I don’t know if it’s fantasy lol
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I’ve seen a lot of people treat credit score as a game to win — but I’ve come to think of it as more nuanced than that. If you’re building credit score to open specific doors (move from secured to unsecured, get a mortgage, buy a car, etc.) you should play that way. But if you have no plans to finance anything, you can chill and focus on cashflow or investments instead.
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That credit scores don’t matter couldn’t be further from the truth. Good credit equals access to more money.
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Hey @jsmaster
It does not hurt your credit score if you pay it all off. Carrying a balance could impact it if the balance is greater than 30%.
Overall I pay mine off as I have no interest on paying interest. But I get it that everyone is in a different situation.
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