[cableguymn]

They also don’t like zero balances on credit cards.. They seem happiest if you carry about 30% of the limit month to month.

[JoSixChip]

They also don’t like zero balances on credit cards.

I don't know, I have several cards and I carry zero balance month to month. Add to that I have been retired for 3 years with no income and no debt. My credit score is over 800.

[BiglyCommentary]

“They also don’t like zero balances on credit cards.”

Only if there is no activity. If so during the period it doesn’t hurt. Common sense. If you charge $1000 during each month and then pay it off, you can handle a credit card. If you don’t use the cards, it doesn’t say much. Like gauging whether a person can handle their booze. If they never drink, it’s an unknown. But if each time they go to a bar, have a few, and then go home, they says a lot.

[Jamestown1630]

We used to believe that, but our bank told us that it isn’t true. We pay everything off each month, and the score consistently increases.

[AlaskaErik]

They also don’t like zero balances on credit cards.. They seem happiest if you carry about 30% of the limit month to month.

Too bad. I'm still going to continue paying off every card in full every month, credit score be damned.