ChiliPepr
Full time employment: Posting here.
You also might be assuming that you need to 'carry a balance' on a credit card for it to be considered credit.... this is false.. when you use a CC you are borrowing money right then... you might pay it back when you get the bill and not pay any interest, but you DID borrow money...
I know you are using credit... I guess I just know the credit score is a game and I play it without paying any "interest".