<prompt> Human: You have two credit cards, each with a 4,000 limit.Is it better for your credit score to have:One card with a zero balance, and one with a 4,000 balance?ORBoth cards with a 2,000 balance?Is there any difference?  <response>: It depends on who is scoring them, but if there is any difference, the maxed-out card will be more harmful to your score. 