All points are very correct, but in the end paying down your balances is the best way to raise your credit score. While part of the credit scoring is based on the percentage of credit you are using, creditors would much rather offer you money if you don't already have monetary commitments. Please don't read this as you should not use your credit, this can also be bad for your credit score, just make sure to keep your cards at less than 50% of your available credit limit.
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