Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
Re: need a eight point fico increase, so I need advice please!
If this is your only CC, then I guess about 20 points.

As hotsaka hinted, if you can pay to $50, then you are much better off paying to $40. Ideally you want less than 10% reporting and paying it to $50 is still too high.