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Junior Member
Open Credit Card wl Zero Balance
Hey Everyone!
Quick question... I have this Capital One credit card with a zero balance. I got it about a year ago and used it only like two times and paid the full balance off. This was like 5 months ago since the last time I used it and had any kind of activity on it. I've kept it in my safe for emergencies only. If I don't use it will it hurt my score? I heard that it can and that I should always have a small balance just so the bureaus know I'm using my credit. Or can I just keep it for like I have been for emergencies only? Just want to know my best options for using this credit card. Thanks!
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