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In need of purchasing a new car, quick question about revolving balances before I submit one of the ubiquitous "App for Marv". I have 3 revolving major credit cards ($2000, $1000 secured, $600 limits) and 2 revolving store cards (charge accounts, $5500 and $800 limits). I vary between 10-30% credit usage on my revolving lines. No other loans, a number of baddies. My question: if I pay off all my consumer credit / revolving credit balances off immediately, will the 0% credit usage have a positive effect on my auto loan application in ~1-2 months? Or do lenders care more about average credit usage over a long period, and so should I keep the cash for a bigger down payment? Thanks!