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2. Pay Balances in Full

It's very important to pay credit card balances in full every month. This shows creditors that you're responsible with your credit which helps raise your score over time. Plus, it saves you money because most credit cards don't charge interest if you pay your statement in full every month.

If you're unable to afford to pay the balance in full, it's a clear sign that you're spending more than you can afford.

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