Utilization Question

[Flying_High]

Hey guys..Just want to make sure I got this right, So I have these CC's 

Cap1- $301--always show 0 bal

Cap1- $500--always show 0 bal

Walmart-$400--New havent used yet

Discover-$750--Next statement is Nov 2nd

Ebay MC -$1,000--1% Utili

The only one reporting for Utili at the moment is Ebay useing 1% Utili $13.00 all the others are reporting 0 bal, my question is, is it ok to have Two cards showing my Utili? and for both cards 2gether have my Utili report at 10% or even maybe 6% Utili and have the rest show 0 bal? Do I have to have every card report Utili? Cap1 is out of question they will not report my bal so that leaves me with the other 3 CCs, Im still trying to understand how to use Utili on my CCs

[afbar1114]

you always want to show UTL on some cards if not all but not all at same time. if you show a $0 bal for 6 months and try a recon you wont get because banks do not know how you handle your currrent cards. its also counted in FICO scoring. One month i didnt use 3 cards and they showed $0 bal the next month i put some stuff on it let it post and the month after my score went up because of useage. 

[Flying_High]

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@afbar1114 wrote:

you always want to show UTL on some cards if not all but not all at same time. if you show a $0 bal for 6 months and try a recon you wont get because banks do not know how you handle your currrent cards. its also counted in FICO scoring. One month i didnt use 3 cards and they showed $0 bal the next month i put some stuff on it let it post and the month after my score went up because of useage. 

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Ok but Cap1 will not report at ALL and ive waited like day before due date to pay it off for some stupid reason it will not show bal at all and I use them cards all the time...Recon what does that mean? I have no choice but to use my Dicover, Ebay & Walmart since they report UTL

[afbar1114]

recon is when you get denined a card and call to try and get it still 

[Flying_High]

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@afbar1114 wrote:

recon is when you get denined a card and call to try and get it still 

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Ooh ok

[nicholasyud]

Just cancel Crappy One if they gave you too much headache......or s just stop using it.......

[Flying_High]

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@nicholasyud wrote:

Just cancel Crappy One if they gave you too much headache......or s just stop using it.......

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Trust me I would be cant since Cap1 is my first two CC and my history is only 8 months all other are new..so what I have in mind is not useing them wait 1 1/2 year and cancel

[nicholasyud]

Sound good.......