This is my first post but I have been reading and learning so much from here the last couple weeks. I just started rebuilding my credit after not using credit for years. I have some bad marks on my report mainly from 2012 and prior. Since then I have not used credit, i make a good salary and sick of not having credit so im following the information Ive learned from here. I just opened 3 new cards, plus a fingerhut fresh start account and a self lender loan to start. I should be receiving my cards in the next few days. My question is I see everyone saying leave a 0 balance on all but 1 card at 5-10%. How do I go about this, wont the other two cards notice I am not using them and not report or close? Also, I when should I pay the one with utlization and how much? Do I just carry over the few dollar balance? When should I pay, when I first get a statement? Im average about 550 fico between all 3. My biggest issue I believe is I have zero open accounts for the past few years. Self loan is 1100, fingerhut started with 180, primor 200, open sky 500, and discover 700. I appreciate all the great info I have learned here and any adive you can provide!