Utilization

[swins24]

I just lost 11 points for having a zero balance on my all my revolving cards. My question is if i go charge 10.00 dollars on my kohls card, and let it report. will that be the same as if i had used a visa card as far as scoring go?. My psecu visa just reprted 0 balance it was 10.00 at first and was my only card debt reporting. This droped me out of the 700 club which i had just reached on transunion last week. My kohls statement or update normaly drops on the 10th of the month thats why im choosing kohls and plus i need a new wallet lol.

[Pway]

Yes it will.  You loose points when you allow all your cards report a 0 balance.  You should atleast allow one to report between 1-9%.

[Revelate]

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@swins24 wrote:

I just lost 11 points for having a zero balance on my all my revolving cards. My question is if i go charge 10.00 dollars on my kohls card, and let it report. will that be the same as if i had used a visa card as far as scoring go?. My psecu visa just reprted 0 balance it was 10.00 at first and was my only card debt reporting. This droped me out of the 700 club which i had just reached on transunion last week. My kohls statement or update normaly drops on the 10th of the month thats why im choosing kohls and plus i need a new wallet lol.

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Should be unless you have some other change in your report.

[swins24]

so it does not matter if its a store card or visa/mastar as long as something is reporting? right

[CH-7-Mission-Accomplished]

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@swins24 wrote:

so it does not matter if its a store card or visa/mastar as long as something is reporting? right

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That's right, as long as it is a credit card/revolving account, store or Visa/MC works fine.

[swins24]

Thanks you exactly what i needed know.