Better to transfer all debt onto one card or keep all cards?

[mlynne37wiu]

Hello to all!  I have cleared up a $7500 credit card to a zero balance and I have about $7400 left in other little credit cards.  Is it best for my credit score if I transfer all the little balances on to that card and just pay that one off or is it better to keep the balances on the smaller cards and keep the zero balance open on the $7500 credit card?

Thanks!

[Anonymous]

total UTIL is from ALL CL.....it doesn't matter if on 1 card or many.....all cards must remain active in order to count toward UTIL....You can PIF all cards & then use start using 1 at a time & PIF so that they will continue to report.  You do not need to use all cards all the time. I use mine at least 3 or 4 times a year.  Keep UTIL under 10% for best results