<prompt> Human: Usually if you carry a balance and then make a payment, either in full or at least minimum, it will then be reported to the bureau for that month as payments made on time. My question is if you have a zero balance on a statement, is that then reported as payment made on time even though there wasnt any payments or if nothing at all would be reported for that month concerning payments.  <response>: On mine it has fields for Balance Date Payment Received Scheduled Payment Amount Actual payment amount If its a zero balance for the month it will show zero balance but every other field simply says no data 