I had my balance at $0 owed. My card has been paid off for 2 months. Then conveniently on the day my balance is reported to the credit bureaus I had some interest fee applied showing a $10 balance last month. So I paid the amount off. Waited to see if my $0 balance would be reported on this months credit report. Nope! I conveniently had an $8 balance reported. I am starting to feel that this is being done on purpose and that I will never have a $0 balance reported. About to close my account.