Question

put the text below into simpler words

Paying bills on time:
This is the most crucial factor in your credit score, as payment history accounts for a large portion of how your credit is calculated.
Keeping credit card balances low:
Maintaining a low balance on your credit cards, ideally below 30% of your credit limit, demonstrates responsible credit usage and helps improve your credit score

Answer 1

Paying bills on time:
This is very important for your credit score because how well you pay your bills makes up a big part of your credit rating.

Keeping credit card balances low:
It's good to keep your credit card balance low, ideally under 30% of your credit limit. This shows you use credit wisely and can help raise your credit score.