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Now that I have these cards, what do I do with them haha

Established Contributor

Now that I have these cards, what do I do with them haha

Besides "use them" I mean ;-)

 

Discover

Visa

JC Penny

 

 

Use all three in the same month, PIF two before statement cuts then PIF the 3rd right after or what is the best way to use them to help scores?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
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2 REPLIES
Established Contributor

Re: Now that I have these cards, what do I do with them haha

Use one to about 1-9 percent then PIF .. Rotate as you wish
My two cents.
Wallet: Barclay-5k, Citadel MC- 5k, Slate- 4k, Freedom- 3k, BOA- 3k, Citi- 2k, AMEXBCE- 2k and more...
Message 2 of 3
Super Contributor

Re: Now that I have these cards, what do I do with them haha

Its normally pif before statement cuts (all but one, in this case 2,you're right) and then pay the third one down to a small balance, 1-9% (like previous poster said) and then PIF after statement. You only really need to do this if you plan on apping for something since utilization is a "this point in time" thing and changes every month.
Message 3 of 3