I have 3 cc 2 of which I was planning to pay them off I owe about $320.00 on each and each with a CL of $400.00. The next on has a CL of $5000.00 and I owe $4200.00. So my util % is way high. I can pay the little ones of soon. So should I keep a little balance on the little ones or just use them occassionally to raise my score? The big one will take longer to pay off.