If your only credit is a credit card with a $15 000 limit which you've had for ten years,and you keep your balance below $2000 and always pay at least the minimum due,you will have a good credit rating.

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Keeping a low balance and making timely minimum payments on a credit card can help maintain a good credit rating over time. However, other factors such as credit utilization, payment history, and length of credit history can also impact credit scores.

If Your Only Credit Is a Credit Card with a $15