beyond confused on how this all works

[joltdude]

Your not using your credit if it reports a 0 balance across the board

[Jaylima91]

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@Anonymous wrote:

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@Jaylima91 wrote:

Also, try not to overpay. That may also be dropping your CS. Pay in full every cycle and allow a very small balance to report to the CRAs.

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Why do you think overpayment drops your credit score?

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I don't. I am referring to the $0 balance reporting that may be hurting him. When he overpays, the CCC reports a $0 balance therefore appearing as he doesn't utilize credit. It's not the overpayment thats hurting him. It's the $0 balance reported due to the overpayment. 

[Anonymous]

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@Jaylima91 wrote:

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@Anonymous wrote:

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@Jaylima91 wrote:

Also, try not to overpay. That may also be dropping your CS. Pay in full every cycle and allow a very small balance to report to the CRAs.

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Why do you think overpayment drops your credit score?

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I don't. I am referring to the $0 balance reporting that may be hurting him. When he overpays, the CCC reports a $0 balance therefore appearing as he doesn't utilize credit. It's not the overpayment thats hurting him. It's the $0 balance reported due to the overpayment. 

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OK, thought you were distinguishing overpayment from PIF.