If you don't use your credit card every month (and thus no payment required) would this affect your credit rating at all:
{as (according to experian, 'understanding your credit file') it would be recorded as a 'D' or a 'U'. as explained:
i.e. could it improve your credit rating as you did not need credit that month? (although, if it was recorded as a 'U' it could be interpreted as a disputed over the payment due, and be seen that you were a troublesome customer)
OR
would it negatively affect it as you would not have a string of noughts (or ones) related to that account? or if it was recorded as a 'D' that you did not use the account (that month) and aren't as profitable.
ALSO:
would credit card cos (in my case Barclaycard) reduce the monthly APR on the account (assuming it was in good order) automatically, possibly to get a customer speding more, or just because the account was paid regularly and you would be seen as a lower risk (than perhaps when the credit check was done).
I am wanting a reduction from 14.9 to 11.9 (yes I could change cards, but I do usually pay in full)
Thanks in advance Scott