It's either making money or it's not: no one's income and expenses balance to the penny, unless the balance is zero.

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As long as the account is open and in good standing (which it will be if your balance is zero), you will be reported to the credit bureaus as current on the account each month.

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"My bank balance is always zero!"

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Alternatively, if you have concerns about your ability to effectively manage credit, you can simply open a credit card and never use it because maintaining a credit card at zero balance is considered responsible use.

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Are you going to ask for it to be raised big enough to the point where you get to the year where in your budget you get to primary balance, which I think is 2017 -- which is a zero deficit -- running zero yearly deficits?

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