Quote:
Originally Posted by ziggsta
I have a 300 dollar credit limit on my student credit card, every month i come close to hitting this limit and when my bill is due i pay off the whole amount I have been doing this since the day i got it so i dont get charged with any interest or anything, My question is, is this really building my any credit or should i just pay half of my bill and then pay the bill at a later time with the interest?
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If you really want to raise your credit score do exactly what you are doing with one change: Don't charge it any where near the limit each month.
Keep the total amount you charge to less than 20% of your available credit, and then pay that in full each month. Your credit score will go up much faster that way.