Am I the only person that thinks this is crazy ?
I've got 3 credit cards with a combined credit limit of 43k , I use them occasionally and then pay the balance off monthly till its clear, I have a 100% history of paying on time according to experian and karma but yet as my balance on all 3 cards is zero, my credit rating has gone down, it says I should use between 1% and 25% so if I owed £10k my rating would go up ?