depends on what your goal is. A 0% utilization rate can actually knock a few points off your scores. If scores are what you're after, i.e. you're going for something big in the next month, then leave a very small balance on the account. If your goal is to show responsible use of credit to Capital One then what the statement shows for a balance doesn't matter, as long as you pay it all off on time.
If you've had the card for five months I would recommend looking at an unsecured Cap One card, then use it as much as possible and pay it down when necessary. That should net you a nice CLI in a few months.
EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
