157 People Helped
Member Since: July 2011
You misunderstood the article's point of "zero utilization" . It means not using the card at all , totally different from paying off the balance monthly once you have received a statement. You are already doing it the right way . Nothing is reported to the credit bureau if there is no activity(usage) within a cycle. Hence it is advisable to use and pay off whatever balance you get as a bill to avoid interest payment and still get a satisfactory report generated to the bureau
shakazoid's reply was:
Do not close it , ask them to make it unsecured instead after 1 yr of ontime payment. This will help u in building credit and getting a better score.