Some people may choose to try and raise their credit score by carrying multiple, balance-free credit cards. If this is something that you are trying to do, you should consider a strategy where you divide the credit cards into three groups and rotate them on a quarterly basis. Just because you need to use your credit card on a regular basis to keep it active, this doesn’t mean that you have to spend lots of money on each card. It is important to keep your spending within an amount that you will be able to afford to pay off in full each month. Smaller purchases will be enough to keep your card active. If you are someone that pays for streaming services, it might be a good idea to set up one of these subscriptions to come out of your credit card each month. This will ensure that it is being used every month, so you can’t accidentally forget about spending on your card. However, you will need to make sure that you remember to pay it off at the end of the month.