Max out a card or spread balance across several accounts

[JusdoNit]

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@skyisthelimit wrote:

jusdoNit - I hope my post helps.  90% + UTI dings your credit report. Rule of thumb for me is keep every card under 50% (well is now, live and learn!)

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Thanks!  It helped a lot.  I will leave things the way they are until my loan funds and take care of it then.  Thanks a mil for pointing out the lesser of two evils

[FrugalRican]

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@webhopper wrote:
I agree with relevates post. I recently did a BT to my discover card so that I could carry a 4k balance for a few months with no interest. It does effect my score, but I won't be applying for anything until all balances are 0 so it really doesn't effect me. If anything it may entice discover to give me a CLI in the future so that they can make more money off me.

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I'm doing exactly this as well.