A little information can be damaging. I have seen many folks who are attempting to improve their credit scores, pay credit cards down to zero and not see improvement to low scores.
If you don’t care about your credit scores and want to pay your cards down to zero, go for it, as it doesn’t matter to you. However, if you want to improve your scores, leave a SMALL balance, the credit bureaus love that and it will have a positive effect on your credit scores.
