Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
Re: Can Someone Tell Me.....
I do not agree to use 75-80% of your credit and pay it off. This has no baring on scores.

The only thing that matters is to have only a small balance under 9% on only 1 CC to report when statement hits. All other CC's should report 0 when statement hits.

I have only 6 CC's. I only make 1 purchase a month for gas which cost about 70. I alternate the use of my cards monthly. When statement comes I pay that bill in full.

My credit scores as of Dec 2012... EQ 809 TU 797 EX 804.

So with that being said its not how much you put on the card it is how you use them.
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