Question

How can I improve my credit score without going into debt

Answer 1

Explanation:

Remember, you can have a credit card account without carrying any debt on it. Credit card debt is certainly a bad idea, one that can cost you a lot of money and damage your credit scores. But credit cards themselves are simply tools to buy stuff. As a credit card user, you decide whether you’ll use those tools in a manner that works for you… or against you.