Credit card question?

Donella Vasta: No, it will not affect you credit report. However, you want a good credit score then take small steps like paying your bills on time and using only part of the credit available to you. Also, use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html

Victor Macallister: depends, if you have a car or house payment that establishes your credit..if neither use your card for a small purchase and pay it off each month.

Alisa Kaleiwahea: No its not, thats actually a good thing.

Donald Caravalho: If you have a credit card, you should use it. Inactivity does look negative on your credit report. don't ask me why! Seems kind of stupid to me! But if you're looking at BUILDING your credit, using it and paying off the full balance each month is the way to go.

Lenard Ginyard: No. It doesn't hurts your credit.

Shaquita Werni! cki: As long as you pay the bill or make a minimum monthly payment. Credit reports done generally have credit activity.

Malissa Porth: Its not bad but they often close the card when not used over a period of time. So dont try to use it in a pinch and get stuck.

Karie Mavle: If you're applying for any time of loan, your credit report will be pulled. A lot of lenders want to see that you have small amounts of each type of debt, both secured and non-secured. Credit cards are considered revolving (usually non-secured) debt and small amounts are okay. What they would like to see is that you use them in moderate proportions, but pay the balance off each month. Sometimes, it hurts you to have several credit cards with 0 balances and they will require that you close some of them....Show more

Ileen Oshell: no its not