https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203519#M615321 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />Hi, if I pay $1500 on a CC with a balance of 3000 and a limit of 4500 (bringing utilization from 66% to 33%) would I possibly see more of a score impact than if I applied that $1500 to a CC where my balance is $6000 but limit is 12000 thus bringing utilization down from 50% to 37% ? Thanks. Grey.<HR /></BLOCKQUOTE><P>my guess is that the 1st scenario will result in a bigger score impact. The difference shouldn't be that big though.</P> Sun, 09 Jun 2013 00:34:29 GMT Anonymous 2013-06-09T00:34:29Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203511#M615318 Hi, if I pay $1500 on a CC with a balance of 3000 and a limit of 4500 (bringing utilization from 66% to 33%) would I possibly see more of a score impact than if I applied that $1500 to a CC where my balance is $6000 but limit is 12000 thus bringing utilization down from 50% to 37% ? Thanks. Grey. Sun, 09 Jun 2013 00:30:53 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203511#M615318 Anonymous 2013-06-09T00:30:53Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203519#M615321 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />Hi, if I pay $1500 on a CC with a balance of 3000 and a limit of 4500 (bringing utilization from 66% to 33%) would I possibly see more of a score impact than if I applied that $1500 to a CC where my balance is $6000 but limit is 12000 thus bringing utilization down from 50% to 37% ? Thanks. Grey.<HR /></BLOCKQUOTE><P>my guess is that the 1st scenario will result in a bigger score impact. The difference shouldn't be that big though.</P> Sun, 09 Jun 2013 00:34:29 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203519#M615321 Anonymous 2013-06-09T00:34:29Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203525#M615324 <BLOCKQUOTE><HR />@Anonymous wrote:<BR />Hi, if I pay $1500 on a CC with a balance of 3000 and a limit of 4500 (bringing utilization from 66% to 33%) would I possibly see more of a score impact than if I applied that $1500 to a CC where my balance is $6000 but limit is 12000 thus bringing utilization down from 50% to 37% ? Thanks. Grey.<HR /></BLOCKQUOTE><P>I agree I would go with scenario 1. A small score bump if any will occur.</P> Sun, 09 Jun 2013 00:36:40 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203525#M615324 LS2982 2013-06-09T00:36:40Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203653#M615375 <P>Between the 2 cards, you have a UTIL of 80%. That's very high. Regardless what route you go, you are still using 50% so you wont see a big impact either route.</P> Sun, 09 Jun 2013 01:17:35 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203653#M615375 Anonymous 2013-06-09T01:17:35Z https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203791#M615434 Hi @goosedog between the two I'm currently at 54%, not 80. Utilizing total of 9000 of 16500. Sun, 09 Jun 2013 02:03:47 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Utilization-question-Which-payment-will-impact-score-the-most-or/m-p/2203791#M615434 Anonymous 2013-06-09T02:03:47Z