New Contributor
Posts: 67
Registered: ‎02-15-2009

CC utilization

As of now I only have one CC. Is it best for me to PIF everytime or to leave a little balance on there?
Mega Contributor
Posts: 18,814
Registered: ‎10-23-2007

Re: CC utilization

PIF, becuase when you get your statement, the entire balance has already reported to your credit file.

maybe consider getting another major credit card (visa, mastercard, discover) and  a store card to give yourself a little more room with utilization and a good mix. 

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Regular Contributor
Posts: 243
Registered: ‎11-29-2007


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