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ccievoice

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Credit utilization shows zero but I use my cards A LOT
I have pretty good credit and I have multiple credit cards. I use them a lot - thousands of dollars a month (I use it for reimbursable expenses at work) - but always pay off the balances each month.

Here's the issue: Credit Karma is showing my utilization at zero and a "C" rating. I thought that as long as I was using the cards I'd be OK... but I guess not?

What should I do? Should I carry a $100 balance for awhile?

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understand how credit works

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Before you make a decision read this.

http://www.creditcards.com/credit-card-news/carrying-card-balance-boost-credit-score-dumb-advice-1294.php

I hope this helps!

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I know I'm going against conventional thinking, but I notice my scores have improved when I have a small balance on my credit cards.  I heard from some other credit repair experts that carrying a small balance (even 1-3%) drives up your credit scores, and I believe it, since I've done it myself for the past year.  

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No!

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I say no! Credit Karma simulators aren't accurate. I pay my balances off 7 days before my due date so zero balances are reported to the credit bureaus wich keeps my credit to debt ratio/utilization score low. People have different opinions about carrying a balance. I don't carry balances and my credit is excellent. You'll be fine...I wouldn't worry about it. I hope this helps!

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