@Anonymous wrote:
What I meant was one month I had a balance of 2% of my available CL.
OK. Thanks. In that case your reported utilization is not always 0%. Probably you meant that most of the time it is.
If by 0% you meant that all cards report $0, then that will hurt your score by 15-20 points. You can avoid that penalty by having one card reporting a small positive balance.
