https://www.cnbc.com/select/what-is-a-good-credit-utilization-ratio/

"Why you shouldn’t go as low as a 0% credit utilization rate

If your CUR is 0%, it shows lenders and credit card issuers that you aren’t making any purchases on your credit card. Remember, it’s important to use your card.

“When a credit card account is reported with a zero balance, some scoring models will look at a zero balance as if the card is not being used,” Droske says. “Maybe it’s in your drawer at home, or, for whatever reason, you aren’t using it at that point. Not using it at all is not as good as using it in very small, controlled ways.”

While a 0% utilization is certainly better than having a high CUR, it’s not as good as something in the single digits. Depending on the scoring model used, some experts recommend aiming to keep your credit utilization rate at 10% (or below) as a healthy goal to get the best credit score."

It's not a myth. I keep a 0 debt load because I don't want to be bothered playing their infantile game for another 20-30 points, but a low balance increases your score a little over a 0 balance.

I despise capitalism, and I know my enemy well. Credit utilization matters beyond full or no utilization. This is how credit scores work.