Today's question is: Does having a 0% credit utilization hurt my credit score?
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Is it true that having a 1% credit utilization is better than having 0%? What's the difference between the statement closing date and the due date? When should I pay off my credit card balance? What if I pay off my balance in full before the due date?

Every week, John Ulzheimer answers YOUR credit questions. Email us, give us a call, or ask on live chat, and we may answer your question on YouTube!

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