<prompt> Human: I have been paying off my credit card completely every month. However, i keep reading that 0 utilization is bad- is paying off completely every month, early, considered 0 because the credit company doesnt make any money? Should I let a percentage of my total limit, say 3-10, carry over? Im asking specifically in help to rebuilding a bad credit score.  <response>: If youre paying off your card early, and your statement is posting a 0 balance, thats not optimal for credit-scoring purposes. You do want a 3-10 balance to post to your statement. Thats what your utilization will be. Then pay it off in full before the due date. You dont need to carry a balance and thus accrue interest, that has zero impact to your credit score. 