Epic Contributor
Posts: 25,595
Registered: ‎03-19-2007
Re: FINALLY - got first CC in mail and I splurged!!

Indiv cards, used properly, can give a double-beneifit. 

FICO scores both overall util and indiv util, so one card can help in the individ acct scoring sub-category.

Also, by getting the balance to $0 at reporting time, it improves your % cards reporting a balance.