Does Keeping a Zero Balance On a Credit Card Affect the Credit Score?

You can keep a zero balance on your credit card without negatively impacting your credit score. If you do not use your credit card, your credit utilisation ratio will be low as opposed to when you use your credit card.

This can potentially boost your credit score, as it signals to lenders that you have the capacity to take on more debt than you currently have.

However, if you do not use a credit card for a certain period, your credit card provider might close your account and cancel your credit card.