I finally paid down 6 cards 100%. Cap1 and Barclay report interest right afterward so it doesn’t end up being zero on statement. $ 9.48 on Barclay, $ 2.55 on Capital One, $ 3.27 Capital One. The thing is, I’ve been struggling the last 12 months to pay down 100% on multiple cards. When I finally do, it doesn’t report that way. 2% utilization instead of 0%. I don’t understand how this is possible or how it works, can someone enlighten me? Thank you! Do you think my scores will be different as opposed to actual 0%?