Hi guys quick question, is it necessary to make your bal. <10% per card or the total limit?
trying to reach 800! 
of course its not necessary. You can do anything you want within your credit card limit. You will get better scores at lower utilizations though. less than 10% is a good target.
EX:694 TU:744 EQ:777
Its just im not sure if its per card or the whole total limit. Cuz I got a card w/ 2500 limit but I use 602 , yhe rest is 0 bal. Amex: 4500, disc: 8750 cap1: 351 dillards: 1800 all is 0 except for the one card.
newbiewife wrote:
Its just im not sure if its per card or the whole total limit. Cuz I got a card w/ 2500 limit but I use 602 , yhe rest is 0 bal. Amex: 4500, disc: 8750 cap1: 351 dillards: 1800 all is 0 except for the one card.
You are doing well with the utilization. Generally, I mainly keep an eye on total utilization. It is scored both total and per card though... so its possible you could gain a few more points by reducing that card balance. If you have a mortgage or some other big purchase coming up, it wouldn't hurt to try it.
I currently am at 8.77% total util, but have one card that I am going to pay down further before it reports again because I think it will give me a few more points and I am planning on applying for something next month.
I will do that. Pay it further down so I can get few more points. Thanks for the advice! :-)