Hanging over my head....

[Anonymous]

a 3K tuition bill that is overdue.  Whether I use Ritz Chase or CSP, either will bring me over 30% utilization withhout funds to PIF (or I just would have paid the bill with cash).  I'm thinking RC Chase card is better choice but I welcome your opinions.  Please and thank you.

[icyhot]

Use the card with lowest APR

[PNW_Hunter]

Well, I certainly suggest paying the tuition bill.

I think it's safe to say you can disregard worrying about 30% utilization when you have an overdue bill like this

Like the first response, use the lowest APR card since you can't PIF, and rewards do not matter when carrying a balance.

Good luck!

[ddemari]

Since both cards have samw apr, use the one with highest limit or lowest/ no balance.