In this short episode, we break down the AZEO method — a powerful credit-building strategy that stands for “All Zeros Except One.”

This technique involves paying down all but one of your credit cards to a $0 balance, while leaving one card with a very small utilization (ideally under 10%). By doing this strategically before your statement closing date, your credit report reflects low credit usage — one of the most important factors in boosting your credit score.

We explain how this method:

Helps lower your credit utilization ratio,

Raises your credit score faster without adding new accounts,

And creates a stronger credit profile for future loans or investments.

This is a smart and proven approach for anyone looking to build or improve their credit responsibly.

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