Is it bad if I don’t pay off my credit cards each month?


I’m not going to split hairs here, but paying off your credit cards each month does three things:

  • Avoids interest charges for the month
  • Avoid late-fees as you’re keeping your monthly payments current and on-time
  • Keeps your credit utilization score super-low

Here’s something pro you should know…

Many credit repair specialists and experts recommend that credit cards are the #1 problem in bad credit and credit repair. Be proactive – pay them down and off now.

If you cannot pay off your credit card debt each month, keep things below 30% of credit utilization. Credit utilization is the amount of used credit versus your total credit.

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