Comment Re:So pay your bills (Score 1) 266
All my cards get paid off in full by direct debit. So basically they act as debit cards. I'm the worst possible customer for credit card companies as they'll never make a penny from me
The downside to that is if you ever really do need credit. Your credit report shows the highest balance you've had on each card.
Someone with an excellent pay history and a highest balance of $8000, is a better risk than someone with an excellent pay history and a highest balance of $200.
Just note that it's something that does figure into the mix.