https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-Ratio/m-p/4785577#M1392609 I have an offer of 0% for 12 months on a capital one card that has a 9300 limit. is there any benefit to move the $2500 balance from my discover thats also 0%, for another 9 months, but only a 3,000 limit? it obviously wouldn't help my overall utilization, but at the account level its 27% vs 84%. Fri, 04 Nov 2016 03:20:27 GMT Rossdaniel87 2016-11-04T03:20:27Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-Ratio/m-p/4785577#M1392609 I have an offer of 0% for 12 months on a capital one card that has a 9300 limit. is there any benefit to move the $2500 balance from my discover thats also 0%, for another 9 months, but only a 3,000 limit? it obviously wouldn't help my overall utilization, but at the account level its 27% vs 84%. Fri, 04 Nov 2016 03:20:27 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-Ratio/m-p/4785577#M1392609 Rossdaniel87 2016-11-04T03:20:27Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-Ratio/m-p/4785601#M1392624 Considering you'd be looking at a balance transfer fee it's not likely to be worth it unless you wont pay it off before the current 0% intro runs out and the fee would be less than the interest aquired until you can get it paid off.<BR /><BR />Generally speaking its best to keep cards under 30% but thats really only important if you're currently looking for credit. Fri, 04 Nov 2016 04:18:04 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-Ratio/m-p/4785601#M1392624 Anonymous 2016-11-04T04:18:04Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-Ratio/m-p/4785636#M1392643 I would pay down that discover few more months, punch them for CLI. Even at about 40% I was awarded increases but I was still carrying a significant balance Fri, 04 Nov 2016 06:36:28 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-Ratio/m-p/4785636#M1392643 Anonymous 2016-11-04T06:36:28Z