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I have 2 CC's with balances one with a CL of $1500 and a $598 balance appx 40% util. (no interest or payments for 12 months) and the other with a CL of $2100 and a $633 balance $598 appx 30% util. (23.99% interest) I've budgeted $600 this month to pay down CC debt. But I'm trying to eek out the most points possible b/c I'm planning on buying a new BMW 650 in the next month or so and i want to get the best rate.
So what's the best scenario to boost my credit score to the maximum at this point. Pay off the full balance of the 2nd credit card to $0 and just pay maybe a litte on the 1st card. Or my other option would to be pay down to the first card to 20% utilization. And take the remainder of the money to pay down the second card to a balance of 213 and util of 10%........any help from some of the credit gurus on here would greatly be appreciated
oh btw..once these cards are paid off....I'll be debt free!!!!! wooohooo well other than my new toy I want. lol