15 October 2025

Does Carrying a Small Credit Card Balance Help Your Credit Score?

Man using credit card to shop online
Zivica Kerkez / Shutterstock.com

You probably know that paying down debt is good for your credit score. But there’s a persistent myth about credit card balances and credit scores. Some people say that carrying a small balance from month to month somehow helps your credit score. The idea that carrying a balance helps your credit score is totally false. Read on to learn the facts about how your balance affects your credit score.



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