How bad does it look whening applying for CC's and having 5 cards showing balances?

[Legions36]

I am trying to get the best scores and paying down all my scores right now but I don't want to trigger something by paying some cards that have high balances now down to zero. I was thinking about paying half off and keeping about 5 down to about 20% to bring my score up right now the scores are in the 675 range accross the board. I can pay them off but I dont want to set any bells by paying to fast if you know what i mean. Its "SPREE" time and im ready to go so u guys know what if trying to do.

[Anonymous]

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@Legions36 wrote:

I am trying to get the best scores and paying down all my scores right now but I don't want to trigger something by paying some cards that have high balances now down to zero. I was thinking about paying half off and keeping about 5 down to about 20% to bring my score up right now the scores are in the 675 range accross the board. I can pay them off but I dont want to set any bells by paying to fast if you know what i mean. Its "SPREE" time and im ready to go so u guys know what if trying to do.

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The only thing that might trigger is higher Fico scores.

[OmarGB9]

Yea it's actually better to have all cards reporting zero balance except for one. And that one should report a very low utilization of <10%.

[Anonymous]

Since your scores in in the good range.  I would agree with the other comments.  You should be fine and more than likely gain some points.  I actually paid off virtually all my cc debt back in Feb but unfortunately  had much lower scores than you  and had 2 cc companies lower my limits.  Never any lates with those particular ccc but they had been close to maxed for a while.  

[Legions36]

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@Anonymous wrote:

Since your scores in in the good range.  I would agree with the other comments.  You should be fine and more than likely gain some points.  I actually paid off virtually all my cc debt back in Feb but unfortunately  had much lower scores than you  and had 2 cc companies lower my limits.  Never any lates with those particular ccc but they had been close to maxed for a while.  

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OK well this was kinda a similar situation with me on some cards and I don't want to have some of these cards lower my credit limits by me doing this? Thats why I was asking these questions not so much for my score but for the creditors I currently have. I know about paying down and leaving 1 card with 10% but im not sure that is ideal for me with my situation.

[Legions36]

Updated fico scores as of today EQ-677  TU-669  EXP-677

[OmarGB9]

You can use as many cards as you want as much as you want, just be sure to PIF. And you could always rotate the card that reports a balance to the bureaus. Ideally that would keep any creditors from taking any AA.