What happenes when you don't carry a small balance

[Anonymous]

Last statement round I let a $1 report on one card, wa a paid off for this round and I will have a small balance report on another. With the one account going from $1 to $0 it dropped me 14 points on equifax. Lesson learned

[ezdriver]

Answer to your post's title -> The creditors will send over their peeps to take away your credit cards. lol

I'm not one to play around with my tradelines and obsess over scores so I will repeat what I have seen others post. It seems that the best strategy on an ongoing basis is to have all credit cards balances but one at $0 just before reporting date and less than 10% on the remaining one.

[Anonymous]

That just might happen lol. I'll see what happenes when my capital one accounts update on my reports tomorrow maybe that 7$ reporting will get me my points back. I want to try for an cli with nfcu after the 3rd statement cuts next week

[Scupra]

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@Anonymous wrote:
That just might happen lol. I'll see what happenes when my capital one accounts update on my reports tomorrow maybe that 7$ reporting will get me my points back. I want to try for an cli with nfcu after the 3rd statement cuts next week

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You should get your points back, don't worry.. 0% util just looks like you don't use the credit you have so FICO knocks you down for it. On the NFCU request, I would wait until the next AR and then ask for a CLI. Could very well walk away with a large SP CLI

[Anonymous]

as soon as the $6 posted on the other account went right back up, now hopefully next month I can gain a few points. Last few I have gone up one month a few than back down the same amount the next drives me nuts lol I am waiting to try on the cli with NFCU.