Which of the following is a strategy for using credit wisely while improving your credit score?

Paying your credit card balance in full each month helps you avoid interest and shows a record of responsible payments, which can support a strong credit score. Using as much available credit as possible can raise your credit utilization, while paying only the minimum leaves a balance that may accrue interest. Avoiding credit entirely does not build a payment history.

AI-written and checked against the verified answer.