proper card use ?

[Anonymous]

so my question is i have 3 cards im aware that i pay them all off except 1 and let that one show less then a 10% balnce, but do i have to actually use all the cards ever month or can i simply rotate the card that i use ea month? we got in a lot of cc debit about 10 yrs ago and was a bitch to get out, i just want to make sure that im able to follow this guideline ea month 

since september i started @ 555 went down to 500 while i was paying a getting things all settled and now back up to 612, and want to keep going up, that is why im asking, i have 2, 60 day lates that are over 2 yrs old damn first premier wont budge, i have no other collections on my account .....

this forum is great learnt so much...

[RobertEG]

You dont want the cards to remain inactive for six months or more.

Using each every couple of months should be fine.

[Anonymous]

Didn't plan on not using them just planned on using only 1 per month let it's report then fully pay off and move to next card for a month and repeat

[gizmotchy]

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@Anonymous wrote:
Didn't plan on not using them just planned on using only 1 per month let it's report then fully pay off and move to next card for a month and repeat

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In my opinion this is a little confusing to do.  I would honestly put all but one card of your choice (maybe because it's your highest limit, maybe because it's got good rewards) into a drawer, and simply carry a single "daily driver".  Thing is, if a card sits idle for too long, they *will* cancel it for inactivity.  So, maybe for these, simply put a small auto-payment on it (maybe your subscription to MyFICO, maybe a cell phone bill, whatever) and pay it off regularly.  Or, just remember to pull them out every 2 or 3 months and use em for a tank of gas or something.

[Anonymous]

this is pretty much exactly what i planned on doing 

[Anonymous]

No, you don't want to rotate them each month, just pick you 'favorite' and let it report a balance each month. The others you want to make sure they get used every few months, and just pay the balance before their statement closes.

[Anonymous]

I was understanding that ea month a different card hard to report a balance while the others where paid off, if not the nonreporting card would be considered dormant that month

[Anonymous]

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@Anonymous wrote:
I was understanding that ea month a different card hard to report a balance while the others where paid off, if not the nonreporting card would be considered dormant that month

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No. That is a credit myth.