https://ficoforums.myfico.com/t5/Credit-Cards/A-Question-about-apping/m-p/2432397#M690113 <P>The general consensus around here is that scores are highest when all CCs except one report zero balances (and the one reporting is &lt;10% of the CL).</P> Mon, 09 Sep 2013 08:30:34 GMT SunriseEarth 2013-09-09T08:30:34Z https://ficoforums.myfico.com/t5/Credit-Cards/A-Question-about-apping/m-p/2432395#M690112 <P>Hello all! I know it is kinda far from now since I'm trying to apply for the Chase Hyatt card around December, but was just wondering should I clear off all my balances on all my cards at the time I apply for the Hyatt card? I pay off every card every month except for the Bofa Cash rewards privileges I just got, I'm tryign to make use of the 12 months free of 0% APR and it wouldn't be due until next year's July. So I was wondering if it is ok for me to apply for the card with the only balance on one card out of all my cards or I should pay it off too before applying for the Hyatt card? Thank you!</P> Mon, 09 Sep 2013 08:25:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/A-Question-about-apping/m-p/2432395#M690112 Anonymous 2013-09-09T08:25:22Z https://ficoforums.myfico.com/t5/Credit-Cards/A-Question-about-apping/m-p/2432397#M690113 <P>The general consensus around here is that scores are highest when all CCs except one report zero balances (and the one reporting is &lt;10% of the CL).</P> Mon, 09 Sep 2013 08:30:34 GMT https://ficoforums.myfico.com/t5/Credit-Cards/A-Question-about-apping/m-p/2432397#M690113 SunriseEarth 2013-09-09T08:30:34Z https://ficoforums.myfico.com/t5/Credit-Cards/A-Question-about-apping/m-p/2432399#M690114 <P>but if you leave a balance on each card; aren't you just letting the CC companies taking more of your money from APR %?</P> Mon, 09 Sep 2013 08:33:35 GMT https://ficoforums.myfico.com/t5/Credit-Cards/A-Question-about-apping/m-p/2432399#M690114 Anonymous 2013-09-09T08:33:35Z