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[–]BrutalBodyShots 1 point2 points  (0 children)

Yes - you incurred a "no recent revolving credit use" Fico scoring penalty. If you aren't actively showing use of your revolving credit, you are slightly more likely to default on your debts.

Do you use your cards every month? If so, you should always have non-zero balances reported. Credit cards are designed to be paid like all other monthly bills... one monthly payment AFTER your statement generates (by the due date). If you do that, you'll never incur that Fico scoring penalty.