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New Contributor
javajunkie
Posts: 67
Registered: ‎02-15-2009
0

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?
Epic Contributor
Creditaddict
Posts: 20,890
Registered: ‎10-23-2007
0

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. 

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Regular Contributor
specultr
Posts: 243
Registered: ‎11-29-2007
0

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