High achievers have only 3 accounts with balances, Ture ?

[Anonymous]

No So I saw recommendation from both Experian and Fico score that high achievers only have 3 accounts with running balances. I have zero% financing on 3 accounts but the rest credit cards which I use for cash backs I can zero out by paying the cuurent balance  instead of statement balance which I normally do. My question is if my Cc always show zero balance how will the credit agencies know my ability to pay back and is this a good strategy that actually works ? Thank you every one for your replies. 

I have just reached 730-740 and want to push to 760's

[Gmood1]

You've answered your own question.

In most cases, the other creditors will not know your usage or payment track record.

You'll have to decide if having a credit history with trackable usage is more important than a few points on your FICO scores.

Scores are only one piece of a strong profile. Without the credit history to go with it...it's all show and no go IMHO. 

[JNA1]

When I first started my credit journey (meaning when I started learning what really helped and hurt scores) and was all about building my scores - I did AZEO and micromanaged everything. Now, after learning from the great folks here how to increase my limits and which cards grow well, I don't worry about that. My limits are high enough that I can pay everything I normally pay per the month, let it all report, and it doesn't affect my score more that a point or two. 

IMO, AZEO has its place to dress up a profile occasionally to get a high scores, but it is unnecessary to do long term.