83 People Helped
Member Since: February 2014
I understand the logic behind 0% credit card utilization affecting credit negatively. But I'm able to pay off my credit cards every month and do so. It doens't make sense to carry a balance and incur unnecessary expense solely for the purpose of improving my credit from excellent to "more excellent."
Plus it gives me the warm fuzzies to use the credit card companies' money for free.
MortgageModificationYeahRight's response was: