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I have a $600 limit student Bank of America credit card. Some people tell me the best way is to pay the card balance in full at the end of the month and others tell me it is best to leave a small balance (like around $5)because the interest rates is what eventually improves the score.

My husband and I are planning a trip to New York City some time soon and I want to know is a list of the MUST DO’s while visiting New York and some of the Non-obvious things to do that are fun (and we need CHEAP!) We are talking of staying 2 or 3 weeks, and I need to know some of the cheapest (but safe) hotels in the area as well.. Thanks!