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this is a very good question okay when yall have current balances on your credit cards and yall trying to ask for a credit limit increase i recommend yall to pay them credit cards down to at least 10 or lower or if you want to pay it in full right its human psychology right thats how these lenders look at you if you have a high balance on that credit card why would they give you more money if you still owe them and i do understand what youre saying on the bottom with you usually leave a little amount on your credit card so it could report to the credit bureaus that is very good because theres a little credit suite spot if a lot of people dont know right theres two percent to five percent sweet spot if you leave that little balance its gonna improve your credit score then you know leaving a zero percent balance