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Your Upgrade Card can improve your credit score, but that depends on how much you spend on your card to how you handle payments.
It reports to the three main consumer credit bureaus on a monthly basis, so making all your credit card payments on time, every month, will definitely help your credit score.
While it's ideal to pay off your credit card balance each month to avoid interest charges, that might not always be possible. If you can't pay off your card each month, try to at least keep your credit utilization rate under 30% across your credit card accounts.
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