I started rebuilding my credit score about a year ago and I now have three CC. My credit limits are:
$2500 balance of $1000
$1000 balance of $0
$500 balance of $0
I just receive the credit cards with zero balance. Would it be better if I keep the balance to zero or to show some activity on these cards.
Who are the creditors for those cards?
I would suggest that you use the card every couple of months. If its HSBC though, its in these forums that you would actually have to use it a lot to keep it from being closed or to expect any CLIs.
Try and keep the overall UTL @ 9% and rotate your cards accordingly.
If you mean have "report zero" because you PIF, that's great. If you mean don't use....well CCC's do want you to use them. As the 'ole saying goes....use it or lose it Just don't run em up....treat em like a debit card.