Balance to 0

[Howaboutthat]

So my BOA is due soon and I want to pay the balance to 0 and was wondering if this will negatively affect my scores. It's only $91 but I'm still wondering. 

Thanks in advance. 

[coldfusion]

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@Howaboutthat wrote:

So my BOA is due soon and I want to pay the balance to 0 and was wondering if this will negatively affect my scores. It's only $91 but I'm still wondering. 

Thanks in advance. 

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Is it your only card, and if not how many other cards do you have and how many of them are reporting balances?

[Brian_Earl_Spilner]

If it's your only card reporting a balance to the bureaus, yes, you'll take a score hit. Once the balance reports, you can pay it off so you don't pay interest.

[Howaboutthat]

Yes I have other cards that are reporting (Amex, Discover, AAdvantage, Costco) to name a few and BOA was next on the list. 

[Credit12Fico]

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@Howaboutthat wrote:

Yes I have other cards that are reporting (Amex, Discover, AAdvantage, Costco) to name a few and BOA was next on the list. 

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If this is the case, then no change to score unless BOA card has a $100 credit limit

[Howaboutthat]

Thanks, it's appreciated.