[niko_lanzi]

I'm trying to figure out what to do with my credit cards before I go pick up my car. Does anyone with more experience know if it's better to pay off all cards and owe $0 or is it better to just owe a small amount on the accounts. I have heard both things but don't know what to do. I only owe about $1,300 out of $4,300 limits right now.