2. Pay your credit card balance in full every month.
I was told that if you want to raise your credit score you shouldn't pay it in full, but rather keep a balance on the card and pay it regularly. Is this true?
You should pay your monthly statement balance in full, which prevents you from paying interest. The statement balance is not the same thing as your total balance; it's just the part you owe by the payment date.
Having a past due balance and paying interest and penalties is never something you should do. The "carrying a balance" simply means you regularly use the card and still have a balance between pay periods.
