Credit cards are easy. Just whip it out, run it through the machine and voila? you?re done. Easy, peasy. Much easier than writing a check or even making sure you have enough cash on hand.
So how can you use a card most of the time yet still maintain your high credit score?
You can charge less so you maintain a smaller balance.
You can use a debit card. The money will come straight out of your accounts instead of showing as a balance on your credit card.
You can make more payments, break up usual payment into a few smaller ones that you send in a few times a month instead of just once. No rules against that.
You can request a higher credit limit so that your debt to available credit ratio goes down.
You can spread the charges over other cards.
Using a card may be the easiest, but as we last reported if you carry a high balance every single month it is most likely reducing your credit score.