❌ “You need to carry a balance to build credit.”
🗝️ Truth is… carrying a balance does NOT help your score. It only helps the banks collect interest 💳💸
✅ What actually builds credit:• Paying on time• Keeping utilization low• Maintaining account age•
Managing accounts responsibly
💡You can pay your cards in full every month and STILL build excellent credit 🔥
📢Don’t let interest become a habit just because of bad advice. Smart credit users use the system, they don’t feed it.