Laura asks…then what is the difference if you don't pay your credit card?to missing a few payments and then eventualy paying it off, does it affect your credit rating in the same way, if you are not going to get credit again because you took a longer time to paying it off, to not paying it at all?admin answers:As the whole picture is put on your credit report, paying something off tends to look better than a CCJ against your name.
So while i cant say the former will help your credit rating
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