Credit cards are great in moderation. To help boost your FICO score, always pay your credit card balance (all of it) on time. Avoid late fees and penalties! Also keep your credit card charges to one-fourth of your credit limit. For example, a credit card balance of $1,000 will be one-fourth of your limit of $4,000 and will incur a monthly payment of $22.24 at 1% per month. This payment will be avoided if you can pay off all the $1,000 that you have charged to your credit card. About how many months has the credit card company built into its calculation of the $22.24 monthly payment?