Credit.com: The worst credit card habits you need to break now

Credit cards can be great financial tools if you use them responsibly. You can earn credit card rewards on your everyday spending and build your credit with a positive payment history.

But if you use credit unwisely, you can dig yourself into a hole of debt and damage your credit score along the way. Here are the top seven credit card mistakes you should avoid at all costs.

1. Carrying a balance

You might have heard that you need to carry a balance on your credit cards for a balance to show up on your credit report every month.

“I have no idea where that myth originated, but it has been circulated widely in the last year or two,” Rod Griffin, director of public education at Experian, told me.

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