Do you get a better credit rating paying things off in full or in installments?

i havent got any credit ad want to build it up and have recently been given a catalogue should i pay it in full or in installments to build up good credit?

Do you get a better credit rating paying things off in full or in installments?
It is always better to pay things off in full. About 35% of your FICO rating is based on your balance to credit ratio. The higher balance you carry will negatively affect your score. As a general rule of thumb, you should keep your balances below 40% of the available credit.
Reply:Making continuous monthly payments is the best way to build credit. You may do this in 2 ways either by a loan with the same payment every month or if you want to use a credit card I'd just suggest spending a little on the card and paying it off at the end of every month that way you don't have to pay interest since there's no balance carrying over from month to month but it still shows continuous payments on your credit.

floral