So does reporting 0% utilization actually help your score? I thought the goal was to report between a small nonzero amount (like 5%)
AMEX BCP : $15K | Citi Forward : $8.5K | Citi Dividend : $8K | NFL Cash Rewards : $6K
Chase Freedom : $5K | Discover More : $5K | BoA Travel Rewards : 3K
Age: 24 | Occupation: Grad Student | CreditKarma: 732 |
