https://ficoforums.myfico.com/t5/Credit-Cards/credit-util-question/m-p/640519#M206140 Or at least get it transferred to the $5000 CL. Wed, 24 Feb 2010 06:02:58 GMT Anonymous 2010-02-24T06:02:58Z https://ficoforums.myfico.com/t5/Credit-Cards/credit-util-question/m-p/640444#M206127 <P>1st card - $5000 %0</P><P>&nbsp;</P><P>2nd card - $1000 %0</P><P>&nbsp;</P><P>3rd card - $500 %100</P><P>&nbsp;</P><P>&nbsp;</P><P>If you have the 3rd card maxed out does this overwhelm your util% or does it not matter because the other 2 cards are not being used? Does this lower your FICO by maxing out the small card instead of the bigger one?</P><DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by jenrette on </SPAN><SPAN class="local-date">02-23-2010</SPAN><SPAN class="local-time"> 07:54 PM</SPAN></DIV> Wed, 24 Feb 2010 03:54:59 GMT https://ficoforums.myfico.com/t5/Credit-Cards/credit-util-question/m-p/640444#M206127 Anonymous 2010-02-24T03:54:59Z https://ficoforums.myfico.com/t5/Credit-Cards/credit-util-question/m-p/640447#M206128 FICO scoring looks at both overall util and individual util. So even though your overall util is 7.7%, having one card at $100% is definitely hurting you. <BR /><BR />If you can't PIF it immediately, shoot for $245 or less (49%), and then keep taking it down lower. Wed, 24 Feb 2010 04:03:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/credit-util-question/m-p/640447#M206128 haulingthescoreup 2010-02-24T04:03:48Z https://ficoforums.myfico.com/t5/Credit-Cards/credit-util-question/m-p/640519#M206140 Or at least get it transferred to the $5000 CL. Wed, 24 Feb 2010 06:02:58 GMT https://ficoforums.myfico.com/t5/Credit-Cards/credit-util-question/m-p/640519#M206140 Anonymous 2010-02-24T06:02:58Z