Valued Contributor
JM-AM
Posts: 3,303
Registered: ‎06-09-2010
Re: Key factors affecting credit score

Leave a very small balance to report $25 or so on just one card every month. Once that $25 hits your statement pay it in full as not to pay any interest still.

 

You are actually penalized for not having a small balance report on just one card. Having all cards report $0 is not good according to FICO scoring.

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