Offer your thoughts or opinion on the input financial query or topic using your financial background.

Is 0% credit card utilization worse than 1-20% credit card utilization for any reason other than pure statistics?
Having no utilization makes you an outlier, it's an unusual circumstance for most people, and the scoring model cannot make any predictions based on it. If you think of it from the underwriter's perspective, zero utilization could mean all sorts of things... are you dead? indigent? unable to work?  When you buying a product (like money or insurance) whose pricing is based on risk, being "weird" will usually make you a higher risk. That said, it isn't the end of the world. If you are in this situation, I wouldn't lose sleep over it.