I find that my score drops roughly twenty points, and stays there for a couple months any time I've got a zero balance on my credit card on statement day.
I returned an $1,100 generator in January, resulting in an enormous negative balance on statement day.
I suspect my credit score will be down to zero this month because of it.
As a general rule, I pay my credit card off three or four times a month, making sure to leave five or ten dollars on there for statement day. It costs me zero interest to do this. It's just stupid that I need to do it.
