Credit scores

Okay, well what exactly are you disagreeing with? If you carry a small balance month to month and make charges regularly, that’s a positive. If you carry a balance over 50% of the credit line month to month, that is a negative. If you rarely or never use the card, max it out, then pay it off, that is by definition binge spending, that is negative. Your credit score going up 35 points may have other factors than just charging up $10k, then paying it off.