> making minimum payments has a negative impact because then you're carrying a debt I think it would depend on your credit utilization %. If your credit utiliz

> making minimum payments has a negative impact because then you're carrying a debt I think it would depend on your credit utilization %. If your credit utilization is too low, it may hurt your score. Of course if your credit utilization % is too high then it's an (even worse) issue. But who really knows? It's not like we have the formula.