After you have paid…
…off a credit card you do not want to stop using it entirely. One of the many factors involved in maintaining a high credit score is the ability to wisely us the credit you have been granted. In other words, if you spend $100 on a credit card each month and pay off the entire balance once you receive the bill you will demonstrate your ability to live within your means, and as a result will see your credit scores improve. This does not mean that you need to spend more than you normally would just to improve your credit rating. You can use charge daily expenses to such as gas, groceries, etc to your card and see the same benefit. Just be sure to pay off the balance each month to avoid getting back into debt.
