Er.. no. Credit ratings are basically a giant risk assessment. The more you demonstrate your ability to manage debt (and you can do that by simply paying off y

Er.. no. Credit ratings are basically a giant risk assessment. The more you demonstrate your ability to manage debt (and you can do that by simply paying off your card every couple of weeks) the better you demonstrate your ability to do so. More data points, so to speak. Of course if you can't manage that then that's data too.