Ahh...2 of my 4 cards haven't reported a balance in 6 months or more but my reports still show a last payment day which is always within the last month since all are used to varying degrees each month.
Rebuild Started Nov 2021 June 2022 FICO 8: June 2022 FICO 9: June 2022 FICO 10: June 2022 FICO 10T: Jan 2026 FICO 8: Jan 2026 FICO 9: Jan 2026 FICO 10: Jan 2026 FICO 10T: