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Skittles2116

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Is it bad to have a lot of credit cards, when only having a balance on a couple of them?

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zero utilization not the best

Zero utilization isn't much better than heavy utilization. I find that keeping a small balance (under 10%) is the best formula for the highest possible score. If you don't use a card at all, you also run the risk of the creditor decreasing your credit limit or closing your account altogether. Having credit and not using it isn't a good strategy for achieving a high score.

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No not at all, Your score/report tend to be benefiting when more credit cards reported with 0 balance.

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No, that is good for credit. Do some reading on credit so you understand how it works, it will benefit your future.

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