Credit Cards Center Credit cards from our partners
Established Member
Posts: 24
Registered: ‎03-29-2009

Low Credit Limit

I started rebuilding my credit score about a year ago and I now have three CC.  My credit limits are:


$2500  balance of $1000

$1000  balance of $0

$500    balance of $0


I just receive the credit cards with zero balance.  Would it be better if I keep the balance to zero or to show some activity on these cards.

Valued Contributor
Posts: 1,072
Registered: ‎02-15-2009

Re: Low Credit Limit

Who are the creditors for those cards?


I would suggest that you use the card every couple of months. If its HSBC though, its in these forums that you would actually have to use it a lot to keep it from being closed or to expect any CLIs. 


Try and keep the overall UTL @ 9% and rotate your cards accordingly. 

Valued Contributor
Posts: 1,126
Registered: ‎03-25-2008

Re: Low Credit Limit

You could always use them all and just pay most off before the statement date and thus they will report a zero balance. Rotate which card reports a balance and you should be golden.
Posts: 7
Registered: ‎04-02-2008

Re: Low Credit Limit

Thank for the feedback.  It was much appreciated.Smiley Happy
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008

Re: Low Credit Limit

If you mean have "report zero" because you PIF, that's great.  If you mean don't use....well CCC's do want you to use them.  As the 'ole saying goes....use it or lose it Smiley Happy  Just don't run em up....treat em like a debit card.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator

09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.