CC use.Will it affect credit score?

starstella30

Hi.
I don't use my cc very much.Never been near the limit and usually pay it off in full.
Would it affect my credit score because I don't use it much?


Thanks in advance

20aday

starstella30 wrote: »

Hi.
I don't use my cc very much.Never been near the limit and usually pay it off in full.
Would it affect my credit score because I don't use it much?


Thanks in advance

It won't affect your credit score because you don't have one. The figures quoted by Callcredit, Experian and Equifax are computer generated.

I've seen examples on here where people have trashed their accounts and been quoted as "999-Excellent" etc.

What it will do is show to other potential lenders you are responsible at living within your means and that you've managed your account well.