this post was submitted on 15 Feb 2024
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I basically never have a balance on my statements, but score has been stable at 821 for many years. I even got a car loan this month and it only dropped to 817.
Mine is generally the same as yours, but I can track back for years and see correlation with drops down to 800 or even 790 every month I've ever had a zero balance. I mean, it's really all vanity, but I had shit credit when I was young, so it's wired me to constantly monitor my score in my later years.
Yeah, keeping a small amount on the card will help, but that's really only to eek out a couple of points. I don't bother trying to min/max that much and my credit is 821/823 TU/equifax