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Reply to "Incredibly dumb question—can you not pay of CCs in full every month & still have a high credit score?"
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[quote=Anonymous]Yes, both of us have credit scores over 800 (somewhere between 810 and 840 depending on the given month). I carry a balance between $0-10K on my primary card each month. I pay the CC from my primary job. The majority of my extra money is in non-liquid sources, not easy to liquidate without penalties. My wife's salary goes into our combined emergency/special projects/vacation funds. Sometimes I don't remember to tell her that I'll need a transfer from her accounts to mine for monthly expenses. And then I'll carry a balance. I'll remember to tell her and she'll transfer the money to me before the following month and then I'll pay it off. Sometimes if we have a major expense, I'll carry the balance for a couple of months. I always pay off a portion, significantly higher than the minimum, so it doesn't affect our credit score. It's just a matter of paying the finance charges for the month. [/quote]
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