There are a number of Q&A that hit this topic. In general, I'd ask you, how many accounts do you have, and what is the age of this account compared to the average age? It's ok to be debt averse, but to maintain a good credit score, you need to play the game a bit. You should never pay a dime in interest, pay the card balance in full every month. In my opinion, using a card, but paying in full, is not carrying debt.