utili mean how much credit you used overall your total credit availaible . Example Capitaone 500 + discover 750 = 1250 limit. you need to used it less than 9% which is around 1----> 100 dollars.....
Ok so between the two I have to spend only $100...so this means $50 on the $500 and $50 on the $750 am I right? If so I thk its stupid.
you can also spend however you want but make sure you paid it before the cycle closing date .....i guess thats how credit work man....its suck but the lender look at you as a good standing if you dont spend more than 9% of your available credit
Yeah I always PIF, yeah my plan was that I was only going to use maybe $7 on my CC $301, and $30 on CC $500, and $100 on my Discover ...the aaoa is 7 months but I want to boost my credit limit & score but then I dont want to screw myself over, I wish I had more idea on how to make my score much better.. lol