No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@CreditDrama85 wrote:as i am in the credit repair process, i tend to use my cards with lower limits. i am concerned that eventhough my cards have a stopless payment history, and i pay a lot per month...i think i may be better off using my debit card because of the utilization issue? the cards are currently reported with the following balances:national city: $480 of $600 clwells fargo: $450 of $500clcapital one: $600 of $500clcapital one: $650 of $600clcapital one: $1,995 of $2,000clshould i continue to use them and just worry about the payment history? my main focus has been paying off old accounts that are charged-off like Amex. but it seems like they are already charged-off so maybe i should worry about the utilization on the new accounts?
Pay those balances down, you are over the limit on 2 of the cap ones and maxed on the other. Actually you are maxed out on all of your cards. I would hit those with some big time payments before they possibly get nervous and close you down.
CreditDrama85 wrote:as i am in the credit repair process, i tend to use my cards with lower limits. i am concerned that eventhough my cards have a stopless payment history, and i pay a lot per month...i think i may be better off using my debit card because of the utilization issue? the cards are currently reported with the following balances:national city: $480 of $600 clwells fargo: $450 of $500clcapital one: $600 of $500clcapital one: $650 of $600clcapital one: $1,995 of $2,000clshould i continue to use them and just worry about the payment history? my main focus has been paying off old accounts that are charged-off like Amex. but it seems like they are already charged-off so maybe i should worry about the utilization on the new accounts?