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[quote=Anonymous]The downside to carrying a zero balance is if you have a zero balance and have never carried any balance at all. Credit worthiness is demonstrated, in part, by showing an ability to pay back a loan (your cards are a loan, essentially). If you pay them in full every time, you never show you can carry and balance + interest (the loan part) and pay it off over time; you are essentially using the card as cash. But if you carried a balance for a bit and brought it to $0, you demonstrated credit worthiness; it sounds like you did this. You paid interest off, right?

You want to show creditors that you are capable of paying interest down. Not tons of interest, but a bit from time to time.

I'd also recommend asking for a higher credit limit on both cards. There's nothing wrong with having a higher limit (if you don't use it all). A bigger gap between your balance and the limit means better credit. So if you had a $2,000 limit with a $500 balance, that's better than a $1,000 limit with a $500 balance.

Hope that helps. [/quote]

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