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Utilization is figured for each card as well as all cards.

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“The score wants to see some kind of activity,” he says.

As for whether a zero balance will raise your credit score, it depends on what the utilization was the last time the score was pulled, as well as all the other factors that go into the score, such as payment history and number of credit inquiries.

On the flip side, he says that someone with a maxed-out card who then pays the balance off could see the score improve.

To sum up, a zero balance isn’t necessarily a bad thing for your score, but having no balances on all of your credit cards in any given month could knock off a few points.

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