Should I appy credit card to 1) Decrease usage limit 2) To have more credit references ?

[DTS]

Thanks marinevietvet , laz98 , woozy ,haulingthescoreup ,Wolf3 ,djse7en

 for responding my concerns.

I  APPLIED TECHNIQUES OF pif BEFORE STATEMENT DAY AND WAS ABLE TO INCREASE MY SCORE FROM 745 TO 796 IN 3 MONTHS.

THANKS AGAIN EVERYONE FOR HELP.

[joestay]

What I do is 5 days before my statement date, I pay in full.  Then I charge about $30 for gas or phone bill so my utilization is less than 5%.  This way they don't report a $0 balance.  I try to have them report between 1-5% utilization.  I heard this was good for you.

[debtfree09]

Okay I'm confused about this.  I paid my Target in full on my due date, which is five days before my statement cut and I still got charged $2.33 interest so I don't have a zero balance.  When should I have paid this not to have any interest charged?  Thanks.

[joestay]

Pay in full at least 5 days before your due date.  Or pay off the interest right now.

[haulingthescoreup]

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@DTS wrote:

I  APPLIED TECHNIQUES OF pif BEFORE STATEMENT DAY AND WAS ABLE TO INCREASE MY SCORE FROM 745 TO 796 IN 3 MONTHS.

THANKS AGAIN EVERYONE FOR HELP.

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Great job!

Controlling the reported balances is still one of the greatest ways to get a good score jump.