04-17-2012 06:49 AM
Practice makes perfect, and I'd much rather start practicing now the 1-9 rule before you try to start stressing over it in February.
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04-17-2012 06:54 AM
If it were me, I would use your green dollars to reduce the cost of the debt that you have to carry.
As already mentioned, there is no "history" regarding utilization that affects FICO scoring...so, I'd try to save actual dollars and worry less about your utilization.
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