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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: CC overall Utilization

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‎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.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

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tcbofade
Posts: 1,060
Registered: ‎09-26-2011

Re: CC overall Utilization

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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.



Last app 08/08/2012. App free in 2013!

Current Scores: EX 665 (FCR) TU: 668 (Wally) EQ: Your guess is as good as mine. :smileytongue:



Zero percent financing is where the devil lives...

Last app 08 Aug 12. Next app 01 January 2013.

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