Paying interest on your credit card doesn’t directly affect your credit score — as long as you make at least the minimum payment by your due date.
If you miss payments or are late paying your credit card bill, you will see the effect on your credit report.
Accumulating a significant amount of debt can have adverse effects on your score, especially if it leads to unpaid bills or raises your credit utilization ratio.
It’s recommended that you use less than 30% of your total credit to maintain a healthy score.