What's the Sweet spot of Credit Utilizarion?

[dls80]

Are you saying I should pay both cards to a zero balance for 2 consecutive payments, then leave a 1% balance on one card for the 3rd payment/month?

*sorry my comprehension is wonky sometimes*

[Anonymous]

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@Thomas_Thumb wrote:

The card reporting over 50% is likely costing you some points  by iteslf. Both cards reporting a balance also may be costing you a few points.

Drop the 2nd card to zero balance reporting and see what happens. Then get the other card to under $300. You likely will see a good point gain as this brings the card to under 50% utilization and your AG UT to under 20%. Getting the AG UT % down is important.

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WOW ... you really need to work on your scores