• Post category:Creducation
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This is a common question I get from my credit patients so I thought I would write an article on the topic. I hope this answers my client’s question “Does using your credit card help your credit?”, as well as any random person who found themselves asking this question.

Does using your credit card help your credit?

The short answer is yes, using your credit card can help your credit score, but if used irresponsibly and impulsively, it can damage your credit score.

Here is a list of common practices to remember while trying to improve your credit score while also using your credit cards:

Don’t exceed 30% of your available credit limit.

For example, if you own a credit card with a $1000 limit, don’t ever let your balance go above $300 before paying it down. If your limit is $2000, the balance you’ll want to stay under is $600. If you go above 30% it’s not the end of the world, just pay it down as soon as you have the extra funds after taking care of more important bills such as rent/mortgage, utilities, car payment, etc.

Don’t use too much credit in a short period of time.

Your credit card shouldn’t be your default, go to payment option for everything you buy/pay. You should have a debit card and/or checking account for that. Each credit card you own should be designated to paying just one of the many necessary transactions one has to make on a regular basis. For example, have a credit card for gas, and only use that credit card to pay for your gas. Perhaps a credit card for groceries, in which you only use that card to pay for your groceries.

Enable the auto-pay function for your credit cards.

Having a late or missed payment can absolutely devastate your credit report. It can turn an account that is responsible for the addition of 100 points to your credit score into an account that is responsible for the reduction of 100 points to your credit score. Payment history makes up nearly half of your credit score and is without a doubt the MOST important factor that plays into what 3-digit number is reflected on your credit reports. The 3-digit number that is viewed every time you apply for credit.

So, does using your credit card help your credit score? Absolutely! It can have a tremendous positive impact on your score, as well as a tremendous negative impact.

It’s all about using the card responsibly. Make your payments on time. Don’t use too much of your limit in a short period of time (in other words don’t max out your card in one day because of an impulse shopping spree at the mall.)

I hope this article helped to answer the question I’ve been asked by dozens: “Does using your credit card help your credit?” If it did consider becoming a patient. You can learn about my pricing structure in which I only charge per deletion, so you only pay for results!

Also check out the pages below.

The one on the left shows you tons of free iPhone and Android credit builder apps that will help you build credit by reporting to the bureaus.

The one on the right will give you a little insight into disputes themselves and the unique Metro 2 encoded language that the bureaus and creditors used to interpret and investigate disputes and update credit reports accordingly.

This Post Has 7 Comments

  1. LineCowley

    I have often wondered if using a credit card would help ones credit rating, so thank you for addressing that question. It is good to know that using your credit card can help your credit score, but if used incorrectly, it can also damage it. 

    Although I use my debit card far more often than my credit card, these hints are a tremendous help to anybody wondering how to use their credit card in an effective way to improve their credit score. 

  2. Johnny

    Thanks for this article about credit cards and credit.

    I’m not sure I agree about the last 2 points you’ve made in this article.

    I use credit cards to pay for all my on-the-go expenses largely because if there’s a dispute or if it gets lost or someone skims the card somehow, then you can dispute transactions and force the credit card company to get involved in the resolution process.

    If this happens with a debit card, that money is already out of your account and I’ve found it is much more difficult to recover the lost funds.

    Granted, I also regularly check my finances monthly so I have no problems paying off my credit card bills every month, and I can foresee getting into trouble if full payment is not made every month and you carry an interest into the next balance.

    The last point about enabling auto pay is also something I don’t do largely for the same reasons.

    If there’s an error or some erroneous/fraudulent charge, if it gets auto-paid, then such issues easily become unnoticed until it’s too far down the road to do anything about it.

    I generally don’t miss payments because of how I do monthly finances, but yeah, if you can’t be bothered to check your finances monthly, then I can foresee using the auto-pay though you do so at risk for the reason I provided.

  3. moses456


    I understood that I should not cross 30% percent and use each credit for specific payment, and better to use autopay not to get behind on payments or to forget.

    Mot to use my credit short period mean like how long is the short period?

    what if I am not going to use the limit in my credit card, I will use my money always, how to increase my score?

  4. Ana M.

    What’s the difference between a debit and credit card?

    1. Dalton

      The simplest way to put it is when you use a debit card, you’re using your money at that moment. When you use a credit card, you’re not using your money at that moment. The credit card company basically spots you for that purchase, but you’re expected to pay it back on time to avoid paying extra fees.

  5. Anastazja

    Is it safe to assume I should try my best to only use a debit card for purchases?

    1. Dalton

      Absolutely. You want to have at least 2 or 3 accounts, so your credit is established. No credit score can be equivalent to a bad credit score when it comes to loans and interest rates.

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