I have an account with Credit Karma, and they give you a report card on each factor of the credit score. They say my grade is C in the Credit Utilization area because I use 0% of my credit. I have over $60,000 credit and being that I didn't use over $600 I didn't reach 1% utilization and I have a C grade. If I would use over $600 I would then be utilizing over 0% and I would grade A in that area. Was wondering if they're right about this, it doesn't seem to make sense. why if i do use my credit yet not 1% should it be reflect badly on your credit score?