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Borrowing and repaying your credit card bill on time, in addition to not carrying a large balance is one of the most important things you can do to build up a great credit score.

The card companies report your payment behaviour to the credit bureaus.
Keeping an overall low credit utilization  is key to keeping a high credit score. 

However having at least one account with a high balance can hurt your score even if your overall utilization is low.

Make sure your score wont suffer by spreading out a low utilization across all your accounts.

Credit Education