Using a charge card can be good for your credit if you’re using it responsibly. This includes using your card to pay for purchases and then paying off the balance in full each month. As you make these on-time payments, your credit score could improve. Keep in mind that charge cards aren’t included when calculating your credit utilization, so making big purchases with a charge card that use up a lot of your spending limit won’t have a bad impact on your credit score unless you don’t pay off the balance.