Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
Re: Can Someone Tell Me.....
We can go back and forth.

I understand your concept if looking for higher limits, but even in that concept If Im paying it off in full then it doesnt show on my statements and then doesnt show on my credit reports. But I can see how you can take the initial hit in UTIL and then the following month start paying in full.

As far as credit scoring purposes it really is not necessary. I am also living proof as my credit was down in the dumps for several years.

I am not debating of what worked for you or myself. Too many different scenarios take place from one report to another.

Good Luck
May all your dreams and wishes become a reality!