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Well, making minimum payments has a negative impact because then you're carrying a debt which eats into your debt vs ability to borrow ratio which does have a big impact.

Paying off cards in full each month is the absolute best thing to do for your credit score (and saving money by not paying interest).



> making minimum payments has a negative impact because then you're carrying a debt

I think it would depend on your credit utilization %. If your credit utilization is too low, it may hurt your score. Of course if your credit utilization % is too high then it's an (even worse) issue. But who really knows? It's not like we have the formula.




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