I always thought not paying in full was not good for a credit score.
Unless you have a 0% deal paying in full is the only way you should be using a credit card.
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As mentioned in my first post, Credit Karma says that this is having a high impact on my credit report.
I have a 0% purchase Barclaycard. The current balance is near £1800. I am not making any further purchases on it.
That £1,800 is in a 1.45% savings account. Each month, £100 leaves the savings account to a current account and then to Barclaycard as a fixed payment, well above the minimum repayment to avoid the (M)inimum payment marker on the credit report. Card will be cleared in 18 months.
Normal daily spend is on Amex (currently @ 5% cashback) and Monzo, where Amex not accepted.
At the end of each day, I transfer the total of my Amex spend to a Monzo pot in that name, and have that pot designated as the DD pot for my Amex statement balance only.
Works for me.
Many people have their own methods though.
I will be @JuanML 's customer A and customer B 
That is because you are NOT using any credit card, so never any balances reported to the CRA and thus never any payments either.
No payment history + no credit history = no clues for lenders on your capability to handle credit.
Yep which is why I guess I “need” one.
Never missing a payment on my mortgage, car loan or any utilities etc as well as not using my overdraft isn’t enough apparently 
You would think all of those would have a positive impact!!!
Crazy world of credit reference agencies
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Yeah I hate it. I cut up all my credit cards and vowed to never use one again after getting into loads of debt when I was younger 
This is what Credit Karma say about credit utilisation:
WHY THIS IS IMPORTANT
Lenders prefer to see that you’re using at least some of your credit. On the other hand, using too much of your credit limit can suggest you’re relying on credit too much. Maintaining low balances shows them that you’re able to manage credit well.
WHAT YOU CAN DO
It’s best to keep your existing accounts with credit limits open and keep utilisation between 1-25% on each account. This shows lenders that you’re able to use your credit responsibly and that you have some credit left if you have any unexpected expenses.
Meanwhile my Experian is 986
It’s all a load of rubbish
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Mine is 998 
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Wonder if it will drop when Monzo start reporting to them 
Mine might go up since Monzo is my only account
Mine is 798. Amazing how it’s way lower than you two, however, my Credit Karma is way higher.
As I said - Fiction!
This is what MSE Credit Club offers on utilisation
Credit utilisation
You’re using quite a low proportion of the credit available to you. This is usually good, as lenders are likely to be reasonably confident you’d be able to pay them back if they lent to you.
Mine is at 16% on last report.
Monzo is my only account too, fingers crossed for a perfect 999 
I would say don’t bother getting one.
I would say ignore how Monzo treats you as it’s pure 
If you’ve never missed a payment on mortgage and personal loan that’s what key.
I wouldn’t go chasing the score. I have 644/710 and 999/999 and up until today Monzo gave either no loan or a shitty almost 30% APR with 3k limit.
If you Need a loan, try Zopa. But I would only take a loan if you have no other options. If it’s a few grand purchase you could use a 28mth 0% credit card instead, but it’s always better to save first.
I would only recommend a reward credit card if you want to play the cashback game, or need to cover large purchases just in case the merchant is a dick.
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Even 999 means nothing
Loans are reportedly easier to get than credit cards
credit karma is NOT lending money, you shouldn’t care about what they say.
I have 3 cc, 2 are pay in full, the other one is 0%(the money is earning some interest until the offer runs out) so I’m also A and B, but I don’t recommend to get one if you don’t need it, getting cc or loans only because a cra say so, its just silly
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Confusing stuff like this that makes no sense and it really hurts my head 
I could follow one CRAs advice and then ruin it for another. So then I’d be in the same situation but instead of Monzo refusing me a loan it could be another lender.
Seems like I can’t win
Ignore it all now and resume when you need a loan.
As others have said, not worth the stress and worry over a score
You have a mortgage already and that is why most people try to build a credit history.
Forget it and chill buddy
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When the time comes for a loan I’ll certainly shop around. I just assume that if Monzo have concerns then other lenders will share the same ones. I haven’t actually checked.