Pay Off the Balance Each Month If you can't afford to pay your balance each month, then it is likely that you are spending more money than you are earning. If you find yourself with a balance that's too high to pay, consider taking out a loan at the bank (at a lower interest rate than your credit card). Use the loan to pay down the balance, and promise yourself that your credit card balance will never get that high again. You would like to improve your credit score. Select the positive actions you could take in order to achieve this goal. Check all that apply. Sign up for travel points and other rewards programs. Borrow from your family to pay off credit cards. Transfer balances for a lower Annual Percentage Rate (APR). Only use one credit card. Check credit statements for mistakes