Which of these actions could positively influence your credit score?

Paying your bills on time is a key factor in maintaining and improving your credit score. Timely payments demonstrate to lenders that you are responsible and reliable in managing your debts. Credit scoring models heavily weigh your payment history, which typically accounts for a significant portion of your overall credit score. This means that consistently making payments by their due dates can lead to a positive impact on your score.

In contrast, other actions such as ineffective management of multiple credit cards, maxing out credit limits, or only using cash can either have neutral or negative effects on your credit profile. Inefficiently managing several credit accounts may lead to missed payments or increased credit utilization, which harms your score. Maxing out credit limits can indicate to creditors that you may be over-leveraged, which can lower your score. On the other hand, only using cash for purchases does not contribute to your credit history at all, which means you would not be building or improving your credit score.