Credit situation/ need advice

Credit situation/ need advice Hey. So I have a good friend that is attempting to purchase a home. They haven’t had a credit card in at least 10 years. They make decent money, and pay all their bills, and have cash in the bank. Their cscore is 632 and they are attempting to get to at least 640. So Should they just use this card and pay the balance off monthly? Should they pa...

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