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A long as you dont go over its CL, it doesnt matter from month to month as far as FICO scoring is concerned.
FICO scoring erases all prior history of %util when a new account balance is reported, and thus a new credit score is calcualted.
Your real concern with FICO scoring only matters in the month or two prior to your application for new credit. Dont be too fixated on monthly balances until such time as you are ready to app for new credit.
Just dont exceed your CL, and make sure to timely pay the min each month.
Be concerned about what is optimal when it matters.
@RobertEG wrote:A long as you dont go over its CL, it doesnt matter from month to month as far as FICO scoring is concerned.
FICO scoring erases all prior history of %util when a new account balance is reported, and thus a new credit score is calcualted.
Your real concern with FICO scoring only matters in the month or two prior to your application for new credit. Dont be too fixated on monthly balances until such time as you are ready to app for new credit.
Just dont exceed your CL, and make sure to timely pay the min each month.
Be concerned about what is optimal when it matters.
That is not completely true. If you have other revolving accounts then you run the risk of having the other lenders soft pull your report at any time and if they don't like to see your other accounts maxed out then they can do an AA.