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If two cards are already in the 90s, your best bet is to do the transfer balance and only have 1 card reporting a balance if that is possible. Part of your credit score is percentage of cards reporting a balance. You are considered maxed out on a card if your util is above 90% on it. You are already there. Go for the balance transfer.
@Anonymous wrote:
I have seven cards. Two have no balance. Two are at about half or less. Two are in 90's. The last one is less then 30%.
Is it better to keep plugging away at those or would it look better if I Balance Transfer everything onto one card though it would almost max it out.
Depends on your immediate goals and credit needs. If immediate score improvement is *needed* (not just 'wanted'), then pay down the maxed out cards first, to under 50% each. Otherwise just pay down the highest interest first (if there is a large difference - 1-2 points is negligible), or the smallest to largest (debt snowball)