A few millennials...actually believe that missing a card payment would “improve” their credit rating, the survey said. “It was only 6 percent, but it actually shocked us,” said Mike Brown, a research analyst with LendEDU and the author of its Millennials & Credit Cards Survey. “They might think that by missing a payment they are gaming the system,” he added. Seventeen percent said missing a card payment would have no effect on their score. LendEDU, a Web site that provides information for student loan refinancing, also found that many millennials are spooked by credit cards, yet many use them in...