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Credit usage score.
My credit usage percentage is listed as 0% with a grade of "C." I use my VISA card for almost all purchases, including several auto-bills, numerous times a month, but pay it off every month. Why is my score so low, if paying it off isn't supposed to impact my score? In May, I experienced a flooded basement. I literally charged thousands and thousands of dollars on that card, but again, paid it off (early, so I could keep using it!) and paid no interest. I haven't paid credit card interest since the early 1990's, but use my credit card for almost all purchases. I also have a Home Depot credit card that gets quite a workout! What gives?

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