<prompt> Human: I dont use my credit card but would like to have a good credit rating in case I ever need a loan in future. I was wondering if i withdrew 500 from an ATM using my credit card, kept the cash, paid the credit card bill then re-lodged the cash to my account would this still increase my credit rating?Thanks.  <response>: Youre losing money doing that. Go buy a candy bar once a month and pay it off. 