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If you are receiving advice that you can improve your credit score by carrying debt, then you are receiving bad advice. The opposite will happen. People who carry non-promotional debt are demonstrating that they purchase more than they can afford, rather than being able to control their card usage to what they can afford on a regular basis.

Now it is true that if you can successfully manage 2-3 credit card accounts, that demonstrates more credit discipline than a single credit card account. That may be where you are getting confused - the motivation for the advice.

Fuskie
Who notes the whole point is to earn credit (pardon the pun) for the responsible use of credit; there is no credit for taking on debt...

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