Quoting Regina George:" I have a $500 credit card that I keep $50 balance on it. I don't monitor my credit much but it has ... [snip!] ... but it has improved in the past couple of months. I did just pay off my last vehicle though which could've been a big deal."
Well that's good to hear. I think that is what I am going to do, just keep my balance at $20. I can't really see the harm that it would do. And congrats on paying your car off. DH and I were so close to owning ours outright until he wrecked it, now we're back into another loan.