The conversation between human and AI assistant.
Why do people prefer credit cards over debit cards?
Yes, do credit cards affect your credit score?
Yes, credit cards can have a significant impact on an individual's credit score. Regular and timely payments will typically have a positive impact on credit score, while late payments or maxing out credit limits can have a negative impact. It's important for individuals to keep their credit utilization ratio low and make payments on time in order to maintain a healthy credit score. Is there anything else I may assist you with?