Jul 232017

Today's question is: Does having a 0% credit utilization hurt my credit score?
Learn more about 0% utilization here:

Learn more about utilization in general here:

Is it true that having a 1% credit utilization is better than having 0%? What's the difference between the statement closing date and the due date? When should I pay off my credit card balance? What if I pay off my balance in full before the due date?

Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a call, or ask on live chat, and we may answer your question on YouTube!

To learn about credit scores, credit reports, managing debt, and how credit cards work, check out our learn section at

If you're looking for a credit card, start your search at

Join our community!