I pay off all my 4 credit card balance every month.is this gonna hurt or help my credit score?

i have never carry a balance.i pay it off each month.is this gonna help my credit or hurt it?

Public Comments

1. it should help quite a bit, it shows that you always pay your bills on time, really good time, actually
2. This definitely helps your credit score. It shows creditors that you can pay things off and know how to handle money. Way to Go!
3. It helps but one thing that affects your credit is how much you have available as a ratio of your annual income. So if you are making 30K a year but could max your cards out to 20K you will have a lower rating than if you could max them out to 10K. You can ask your companies to lower your credit limit.