answer:Wrong wrong wrong wrong wrong. Did I mention that is wrong? Pay it off. If you pay it off in full each month, and do it on time and regularly, you get just as good or maybe even a better credit rating. There is no reason to leave money on the table and money paid for credit card interest is the most expensive kind of borrowing there is. Do not do it. If you value your future, do not waste money that way. Worry about your finances, not your credit rating.