you will actually get a better credit rating if you maintain a balance. remember, credit is a business. you get "rewarded" for bringing them business. someone who always pays on time, but keeps balance will actually have a better rating than the guy who pays the credit card off completely every month. the downside is that maintaining a balance means paying the interest charge every month (thats where they make $).

this is from several people I know who work for CC companies.

I actually just got a platinum card w/ no intro or anual fee and a 9.9% rate because i opened the account by doing a balance transfer of about $2200. they see im going to do business with them, so they gave me a higher limit and a good rate.

Credit is a business just like any other. they want to make money, and good companies will reward you for bringing them business.

Regardless if you pay off everything or maintain a balance, always pay on time! one late payment and it sticks to ur record for a long time. not to mention the financial penalties and increase in rates.

http://www.asog.net/phantom/

95 Avenger
ATX->MTX Swap
Holset HX40 @ 26 psi