If you're still confused here is an easy tip..
You have $4 balance, and the minimun payment due is $4 by 11/08/2013 correct?
If I were you charge the card for $10 today to have a balance of $14.. Then 2 or 3 days BEFORE your DUE DATE, pay the $4 and leave a balance of $10 which is 5% utilization..
P.s you can even max out the card but remember to pay it down to $10 before the next due date which are the 08 of each month
Good luck and don't make the mistake all of us did don't over use it.. If you have a debit card pay with that instead, you can use the credit card just for the gas and pay it down to $10 bucks before the 08 of each month. Good luck
You have $4 balance, and the minimun payment due is $4 by 11/08/2013 correct?
If I were you charge the card for $10 today to have a balance of $14.. Then 2 or 3 days BEFORE your DUE DATE, pay the $4 and leave a balance of $10 which is 5% utilization..
P.s you can even max out the card but remember to pay it down to $10 before the next due date which are the 08 of each month
Good luck and don't make the mistake all of us did don't over use it.. If you have a debit card pay with that instead, you can use the credit card just for the gas and pay it down to $10 bucks before the 08 of each month. Good luck
Starting Score: 462 
journey started on 3/29/2013