Old Jul 19, 13, 1:28 am
Join Date: Jun 2013
Posts: 194
Originally Posted by mintcilantro View Post
I think your payment gets reported and if your balance is zero the bank could draw a conclusion. I saw this in a recent credit report
Correct. A statement balance is proof of use, thus proof of credit history. If you have a bunch of $0's then they could possibly conclude that its not something you're using.

I even had a reconsideration agent chastise me for paying off my statements early.
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