Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
soulangel

0 Contributions
0 People Helped
0% utilization vs 10- 30%
I use my credit card every month and pay off the full balance before the due date. My utilization continues to show 0%; which isn't helping my score to increase. should I leave at least 10-30% of a balance every month to show utilization?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1754 Contributions
3018 People Helped
Most Helpful Response

Helpful to 3 out of 3 people

Keep doing what you are doing.  There is nothing wrong with having 0% Utilization as iIt should be everyone's goal.  We sould not be chasing the FICO score.

Everyone should follow these steps for Credit Card Usage.
* Charge items on your Credit Card knowing you can pay it off once you receive the statement.

* Receive the Credit Card statement showing the Due Date and Total amt Charged on the Card.

* Pay the Total Amt Chanrged on the Card ( not the min amount ) before the Due Date.

Repeat. 

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.