Credit Card usage.......What to do?

[williamachamberlain]

So quick question for all you CC gurus

I have some good cards now

16K NFCU

2K Barclay

2K USAA

2K USAA

1.3K Barclay

My plan is to use the lower 4 only, leave the NFCU for emergencies only.

Is it a good idea to use 1 per month then rotate to the next one?

Just trying to figure out the best way to keep my utiliaztion low and rotate the us among them and get my FICO moving up

Thanks for your help

[BearsAndTurtlesRtheBest]

Plan sounds good, at least charge a chocolate bar.

[gdale6]

Sounds good, you will have to use the NFCU a few times a year to make sure it doesnt get closed for non use.

[williamachamberlain]

Thanks for the  responses.

I plan on using the NFCU at least twice a month for what me and the wife like to call "date night"!!!!!!!!

Others used on a monthly basis will be used for gas, other things and such.

[newUser0]

If you go to walmart, at least once a month. Just take all cards, and charge a gum pack on that.

You can even do this at least once in 2 months, on all the cards you don't use. This cuts a statement and keep it away from flagged for no use.

[GFer]

You can...but most will only flag if not used for 6-12 months. I use mine every 3 months to keep them active. I've actually called them and asked...

[askme3012]

i'd use atleast 2% of each limit and show same util to CRAs. And go bonkers on any card u want but always show 2-9% util .. and PIF.. u will be fine. 

[lg8302ch]

I use all of my cards regularly but I just make sure to pay to 0 before statement cut on 50% of the cards (rotating) to not get a too heavy ding on Fico. After all I want to max my rewards and not please Fico