Lots of people think that using a credit card will make their credit score go down. This misconception persists because some individuals believe that if they pay off their credit card balance in full each month, the credit card company will not report anything to the credit bureaus, and as a result, their credit rating and credit score will not improve.
However, this is not the case. Your payment will be properly acknowledged by the relevant authorities provided that you make the payment after the billing period has come to a close (when you get your bill). And just so you know, making consistent payments rather than holding debt will always result in a higher credit score compared to the alternative.