Valued Contributor
Posts: 1,409
Registered: ‎01-05-2010

Card administration tidbit

If having one card report a small balance with the rest at zero helps keep your score high, chances are that the cards are paid down before the statement date.

Irregular bills, like hitting a toll threshold, can be a real nuisance though. You just never know if they pop up during the narrow window between the cards are paid down and the statement posts.

I put them on the card that reports a balance (and the credit limit for util), because it doesn't really matter if the balance is $20 or $200. DW and I have taken it a step further, as each of us have such a card.

Those are the only two cards of ours with no criss-cross AU, which minimizes the impact of balances reporting. The cards do not have our highest credit limits nor are they the oldest. We share the good stuff and separate what's best left as such.

I wonder if others have favorite tricks along these lines.

Are you living within your means?

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.