FICO does not like to see all CC reporting a 0 balance. Use it but let only 9% or below report on your CR. You will need to know when they update with the CRAs and may need to experiment on getting it paid before it does.
Can I tag in here and ask a quick question? Is there certain time periods of gardening that you will see bumps? For example an inquiry loses some effect at the one year mark.. Thanks for the help, sorry to hijack but I felt it was a good question