The all zero penalty isn't a way for creditors to keep consumers in debt. Creditors want to see reasonable and responsible use of the products that they offer. Reporting a zero balance shows you aren't utilizing the revolving credit you have and can be a red flag. There is also a difference between carrying and reporting a balance. If you carry a balance you pay interest, if you report a balance and then pay that balance by the next due date you do not pay interest. This keeps cards active and looks more appealing to lenders.
