Yes and no. If you are responsible, credit cards can be beneficial in many ways. First they can be very convenient and help in emergency situations. Secondly, 30% of you FICO score is calculated by what is called capacity. This is the percentege of revolving accounts compared to total balances. Say you have a $1000 CC with a balance of $500, you are only receiving 50% of the points for the capacity category. To boost your credit rating, keep the balances low, limits high. If you are a compulsive spender, stay away from credit cards, they can get you in debt very quickly
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