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Reported balance on more than one credit card

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Frequent Contributor

Reported balance on more than one credit card

From what I gather, one should have only one card with less than 10% utilization of all cards total availability. Does it hurt a score if a person has 7 cards with 2% utilization combined on 2 of the 7 cards? I slipped up and let two of my cards report a balance and was wandering if this will have a negative effect?

Equifax FICO 781, Transunion FICO 821, Experian FICO 807,

810 goal on all three by 3-1-2015
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Established Contributor

Re: Reported balance on more than one credit card

Utilization only really matters if you want to app. It will give you a better foot in.
Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
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