this post was submitted on 25 Jul 2026
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I'm not sure where this myth comes from but it's not true.
I guess a tiny truth... Posting a $0 balance on all accounts can hit it a bit. But it goes away instantly and also you can and should post a balance, then pay it off. You won't pay any interest that way. If you're posting $0 on your cards you're either not using them (why have them?) or unnecessarily paying them off before statement date.