Credit1909

It is not good to advocate excessive debt. But no debt at all can harm one's credit score too.

https://finance.yahoo.com/news/pay-off-credit-card-credit-100000214.html

Credit utilization often serves as a proxy for activity. People tend to get the best scores by using credit, not by carrying a continually zero balance.

https://blog.credit.com/2015/06/help-i-paid-off-my-credit-card-my-credit-score-dropped-119515

https://www.equifax.com/personal/education/credit/score/5-things-that-may-hurt-your-credit-scores

Experian says better to pay off balance in full each month.

https://www.experian.com/blogs/ask-experian/how-is-a-fico-score-calculated

But my experience with bank back rooms shows that they call people who pay off their credit cards each month 'deadbeats' because they never make money on those accounts.

Martingale Strategies.

https://en.wikipedia.org/wiki/Martingale_(probability_theory)

https://math.stackexchange.com/questions/2093206/definition-of-backwards-martingales

http://www.stat.yale.edu/~pollard/Courses/600.spring2018/Handouts/Martingale.pdf

https://web.stanford.edu/class/stat217/martingale.pdf

Debt as Anti-Martingale Bet.

https://books.google.com/books?id=80vkNV3xNDUC&pg=PA127&lpg=PA127&dq=anti+martingale+probability&source=bl&ots=048Tp86Ajd&sig=ACfU3U3mW1rmz4sO8mE7QRpY4bEwFdXDmQ&hl=en&sa=X&ved=2ahUKEwjD0ZKj8MzkAhUDXa0KHbVBAbI4ChDoATAJegQICRAB#v=onepage&q=anti%20martingale%20probability&f=false

As long as one's revolving debt is reasonable, one should at least make the minimum payment. Above that, an anti-martingale strategy of paying off half the balance each month may be a good lazy way to automate payment and still keep a small balance.