I have only 2 credit cards. One of the cards has a 17% APR. I have a credit limit of $1000 dollars on it, and I tend to only pay $100 dollars a month, and then spend again on it. So I'm always very close to the limit. Someone recently told me that this is bad for my credit. Is that true?

any credit is not good, but you knew that already. What makes creditcards 'dangerous' is the high APR rate. Get red of the debts, get rid of creditcards and get debitcards. Control your spending. Easier said then done, but worth it.

I have to disagree. There are benefits to using Credit cards. For one, it will help build your credit score if you pay them on time. Secondly, I use a rewards card to earn 1-3% back on all my purchases. I pay off the balance each month.

I actually agree with Uncle A since we need credit to to build our credit history and get good scores. But of course responsibility is the key to building good credit. I know that the APRs are high that's why I ask if it is bad to have my card balance always close to the limit, because if it is, then I would have to stop doing it.

"Available Credit" is one of the criteria they use in your FICO score for your credit rating. If your cards are always at or close to the limit, then you have little or no available credit left therefore it lowers your score. Start paying them down and your score will improve.