✔ 最佳答案
Credit always builds gradually over time and that is indeed the best way to build it. However, there is one more aspect to credit scores. Have you paid them off with own money or have you taken another loan to transfer the debt? In that case your outstanding liability remains as is. So it may have no real impact on your score whatsoever.
Secondly, if you stop using your credit cards henceforth, which some people do because they don't want to walk down the same road again, then you will surely end up ruining your credit even further.
To have a healthy credit score make sure you maintain a steady use and repay pattern, paying in time every month and let your credit score grow over time.