<prompt> Human: Would having my parents add me to a high-limit zero-balance card of theirs show on my credit report, thus lower the utilization without any work or hard pulls on my credit report?My credit card utilization is the only negative statistic on my credit right now, and though I could throw cash at the cards to lower the , I will need a hefty down payment, and was hoping to use the cash for that...Advice appreciated!  <response>: If you cant pay down a credit card and still have a down payment, you are not ready to buy a house. 