There's huge huge benefits to north americans for using a credit card regularly and always making sure that it's paid off if you don't. There's also a component of like usage limit as well So if you have like $500 of credit you can't have $500 on it otherwise you also get impacted Like there's a there's a point you can't use all of your allowed credit Otherwise it also negatively affects your credit rating. But the best thing is to use it regularly and pay it off before the end of every month.

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