Level 2
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Credit score

Just saying you do not need to carry over any balance. Paying interest does absolutely nothing but make you spend more money. Keep your utilization low at least 30% or under. It actually shows your that much more responsible when you never pay any type of fee. You make on time payments and utilization low you'll see a difference. You'll get the same results if you just pay your minimum bal or pay off entirely. I highly recommend not paying interest