<prompt> Human: Im referring to using my CC to raise my credit scores. Ive read many, many things on here about this but I still dont get it sorry for this. I have 5 CC and only use one. But Ive been told I should use the other ones as well keep it under 10 usage. Some have told me to pay it off right away, while others have mention to keep a balance on it into the next billing cycle pay all of it off expect for a 5 of it and that the benefit to my credit will out weigh the interest hitAssistant: You dont need to use the other ones unless theyre in danger of being canceled for inactivity. I typically put at least 1 charge on each of my CCs every year to prevent that. But that doesnt affect credit at all.For optimizing your score you do have to use at least one and let a small balance be reported to the credit bureaus every month. If you have 0 on all of your cards it looks like you dont use your credit and so you have less experience managing credit.This does not mean you should ever pay interest. Just let a balance post on the statement and pay it off entirely by the due date.Human: but if I let it post to the statement doesnt it get charged the internet rate?  <response>: No. You only get charged interest on purchases if you dont pay the statement balance by the due date. 