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A couple of questionns about utilization.
1. When is utilization reported to the CRAs?
2. What does the <9% utilization mean? Is that per card or total?
And any other tips about utilization you can think of would be awesome.
Cheers!
Your balance and credit limit are reported every month when your statement cuts...from that, your util rate is figured.
Under 9 percent total seems to be ideal.
If possible, have several cards report 0, and one card reporting "less than 9%" of it's credit limit.