Discover the truth about credit card balances and credit scores. Learn why carrying a balance does not help build credit and get practical tips to improve your credit score by paying in full, maintaining a low credit utilization rate, and avoiding common credit card myths. Take control of your financial future with expert advice on building credit responsibly.ny people mistakenly believe that carrying a balance on your credit card is good for your credit. Find out why that’s not true and what you can do instead to increase your credit score.