@LS2982 wrote:
I'm thinking about running mostly all charges through PSECU and just leaving the others alone for awhile until I have the balances PIF. Anyway I do it I'm gonna be high utilization for a bit, at least until Jan.
LS,
What is limit on PSECU? Running it on one card might be better. If riding a balance, do it on the low interest one. Just be prepared not to app for more credit in mean time. Or maybe get a nice 0% for XX month card and run it on that 
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LIMITS IN CARD DESCRIPTIONS
PSECU is 9k and 9.9APR and has a 2k Bal. My Chase Freedom is 2k with 0% for 15 months and has a 1,100 Bal. All other cards are high APR other than Discover for the next 2 months at 3.9% and has a 0 Bal.
What's the best way to work this?
What's the best way to work this?
Personally, I would do it on what will save me the most in interest. If you don't want to blow up your FICO in meantime, might want to avoid getting to 80% or more on any particular card. You will see tremendous hit from that. Also, you will see noticable hit on FICO by having any balances, no matter how small, from 2-5, but that isn't as big a deal.