Credit card payment history, or revolving credit, is much more important than installment loans when it comes to credit scoring. If you find yourself needing points on your score it will be much more beneficial for you to pay down any balances that you may have on your revolving lines of credit. Remember, any balance above 30% of the limit is going to affect your credit score in a negative manner. You want the balances below 10% of the limit in order to maximize your scores.
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