Those that use credit cards as their sole source of credit will have a lower credit score.

Question

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Credit cards are a type of revolving credit, which means that you can borrow money up to a certain limit and then pay it back over time. If you only use credit cards as your source of credit, you will have a lower credit score because you will not have any other types of credit, such as installment loans or mortgages, to help you build your credit history.

Those That Use Credit Cards as Their Sole Source of Credit