# Myth Thursday: Does Carrying a Credit Card Balance Boost Your Score? 🤔 **URL:** \ **Category:** Community Lounge\ **Created:** [June 5, 2025, 11:12pm UTC](https://neofinancial.discourse.group/t/myth-thursday-does-carrying-a-credit-card-balance-boost-your-score/2138 "2025-06-05T23:12:59Z")\ **Posts on this page:** 1\ **Page:** 1
**Author:** ![Alex-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/alex-neo/32/574_2.png) [@Alex-Neo](https://neofinancial.discourse.group/u/Alex-Neo)\ **Post date:** [June 5, 2025, 11:12pm UTC](https://neofinancial.discourse.group/t/myth-thursday-does-carrying-a-credit-card-balance-boost-your-score/2138/1 "2025-06-05T23:12:59Z")
✨ **It’s that time again – Myth Thursday is here!** ✨ Each week, we’re breaking down popular money myths so you can make confident, informed financial choices. **Myth:** Carrying a balance on your credit card improves your credit score. **Truth:** Carrying a balance doesn’t help your credit score - but paying your balance in full each month is a good way to build credit without paying interest. **Here’s the deal:** **Credit scoring models actually reward you for responsible use, not for how much debt you carry.** When you pay your balance in full and on time, you show lenders you’re reliable - without racking up interest charges. 💡 **Pro Tip:** Aim to pay your balance in full each month if you can. This helps you avoid interest charges while building a strong credit history. **Want to learn more?** Check out this insightful article from Equifax on how paying off your credit card balance helps your score: 👉 [Read more here](https://www.equifax.com/personal/education/credit-cards/articles/-/learn/should-i-pay-off-my-credit-card-in-full-each-month/#:~:text=Carrying%20a%20monthly%20credit%20card,as%20you%20can%20each%20month.) **What’s a credit myth you used to believe? You’re not alone, drop it below and let’s learn together. ⬇**