Mine is a 686, I never use credit cards though and don't have a lot of credit lines open so.
Don't you have to let a balance carry over passed the 5th of the next month? If you pay it all on time always then it'll just show up as 0$ every month as if you're not using your credit card, thus no credit building?708 for me. I use my credit card to buy almost everything and pay it off in full every month. Haven't paid a penny in interest since I've had it.
I get 1.5% cash back on every purchase, so I'm actually coming out ahead. It's not much, but $10-15 free every month is better than $0. Just have to be responsible and make credit cards work for you and take advantage of rewards cards.
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Dave Ramsey always says that having a great credit score just means that you've taken out a ****load of debt in your life.One thing I found interesting is that my credit scores went down after I paid off my car. It wasn't a huge drop (10-20 points) but I learned that 30% of your score is based on amounts owed.