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Not necessarily, having a little debt on a CC can help your credit score (as long as you keep it modest and pay enough to avoid interest charges)

Being debt free is very nice of course but I read somewhere that it can affect your Credit Score (should the time come that you need a loan) therefore having a Credit Card with a small debt on it (say £500) and paying most (but not all) off keeps the lenders happy. A small monthly interest...