Established Contributor
Posts: 756
Registered: ‎01-20-2012

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

Besides "use them" I mean ;-)




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?

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Established Contributor
Posts: 669
Registered: ‎11-13-2012

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.
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Senior Contributor
Posts: 4,672
Registered: ‎12-11-2011

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.
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