Epic Contributor
Posts: 24,715
Registered: ‎03-19-2007
Re: Individual CC utilization vs. No. of CC with Balances

FairIsaac has not, to my knowlege, disclosed the respective weightings given to individ card utils and % with balance.

From anecdotal postings, it appears that % with balance is lower, so I would put more focus on maintaining individ card utils lower.


Aside from FICO scoring implications, extended higher % utils on cards are often a trigger for potential credit limit reductions by creditors.

Thus, maintaining high individ card utils might lead to future CL decreases, resulting in reduction of card balances not providing a reduction in % util on the card.