So happy your scores are going up, buddy. That's just great. Must be a huge deal for you.
You ask two questions. I reproduce below with my answers.
Can they currently tell how much you roll through your accounts each month?
No. TD does not contain how much you spent that month. That could be guessed at very reliably, however, by looking at the amount of your payments. If a person made $500 in payments in excess of what his reported balance was, then one could deduce that he was buying at least $500 worth of stuff.
Note: By "they" I am going to assume you mean anything that pulls your credit reports, whether it is a credit analyzing computer program or a human doing a manual review.
It always bothered me to PTZ every month... If you aren't then it doesn't matter?
No. You don't need to PTZ every month. But you should still do the PTZ thing in the month before a major credit pull where a FICO score would matter a lot. (Examples: getting a car loan, a home loan, or needing to squeeze out a few extra points for a difficult to obtain credit card.) Fortunately the extra FICO points you get for having all cards at zero except one are points you can get instantly -- you don't have to create a long history of doing that. The history part of what you want to be doing is creating a history that shows you have never been carrying a balance on any card. That gets at this whole T-R distinction which involves the creditor looking at what you have been doing for the last 24 months.
Of course, some people may just really like carrying balances for whatever reason (The 0% offer, etc.) Obviously they will be carrying balances and that's their prerogative -- totally may be the best move for them. I just mean that if a person wants to do well on a future T-R analysis then he should shift away from carrrying balances soon so that he establishes this longer 24-month history of being a T rather than an R.
