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A lot of people think you have to carry a balance and go into debt to build credit. That’s a myth. Here’s the truth: You can use a credit card, pay it off in full every month, and still build strong credit—without ever paying interest. What matters most is: \t•\tOn-time payments (35% of your score) \t•\tLow utilization (keep your balance low—ideally under 10–30% of your limit) So swipe it for gas, groceries, or Netflix. Just pay it off in full. No debt, no interest, just credit growth. #credit #
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