[Admin]

Not necessarily.
Credit point increases as time pass by. Credit building takes literally years and during these years, it is very important to pay bills on time.

Let say, each credit Visa you have holds a $1000 limit credit, total of $2,000 credit available for you.
You should not use more than 70% (not sure if it is 70%) of all your credit. Meaning, if you have over $1,400 in credit debts, it can decrease your credit scores.