We have 2 that we only use once a month for maybe 100 bucks and pay it off at months end , we are trying to rebuild our credit.

It’s working , we went from credit score in 500 to 740 now and that’s with having to finance a whole AC unit we pay through a payment loan. Had our credit score been at 500 we could have never gotten the loan.

Using it and paying it off monthly will increase your credit rating.