@Anonymous wrote:
@Sloedough wrote:I have been playing around with leaving a small balance on a single card vs. no balance. I have not seen a difference in my FICO scores. If it does affect it is no more than ~1 point. I do find it more satisfying to have $0 statement balances.
Are you sure about this? Almost everybody loses 10-20 points when all cards report a zero balance. When you played with leaving a small balance on a single card, what kind of card did you use? Charge card? Authorized user card ? Store card? Those cards often do not prevent the "all-zero" penalty.
I was using my CSR.
