Regular Contributor
Posts: 114
Registered: ‎06-06-2012
using my unsecured to increase score.........

i have an unsecured card through applied bank with a CL of $250. i make an automatic monthly donation to a smithsonian museum for $5 on the 20th of every month and then on the 5th of every month $7is taken out of BOA debit card to pay for it.

even though the applied card reports to all three CRA, it seems like this is doing nothing/zero for my credit score, since i usually have a $2 credit on my credit card account. what could i do to change it? should i use the card more? should i use it enough to take the utilization from 0% to 5 -9%?