https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Score-Question/m-p/1611356#M66487 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/611726">@WarJar101</a> wrote:<BR /><P>Hey guys just wondering, if I have a 300 dollar balance on a 500 dollar limit card, and I could only afford to pay 100 dollars towards the balance (as the minimum payment) will credit score go up or down, or remain the same? Minimum Payment = $25.</P><HR /></BLOCKQUOTE><P>Hopefully a mod will move this for a more detailed response; however, in general the lower your utilization rate both overall and on an individual card, the higher your FICO score will be. &nbsp;There are some breakpoints, i.e. $16 on a $7698 balance is unlikely to make a difference, but in this case going from 300 one month to 200 the next on a $500 limit card, is likely to produce a change in your FICO score in the upward direction... on the assumption the rest of your balances remain flat rather than going up.</P><P>&nbsp;</P> Thu, 27 Sep 2012 06:07:20 GMT Revelate 2012-09-27T06:07:20Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Score-Question/m-p/1611316#M66486 <P>Hey guys just wondering, if I have a 300 dollar balance on a 500 dollar limit card, and I could only afford to pay 100 dollars towards the balance (as the minimum payment) will credit score go up or down, or remain the same? Minimum Payment = $25.</P> Thu, 27 Sep 2012 05:14:37 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Score-Question/m-p/1611316#M66486 WarJar101 2012-09-27T05:14:37Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Score-Question/m-p/1611356#M66487 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/611726">@WarJar101</a> wrote:<BR /><P>Hey guys just wondering, if I have a 300 dollar balance on a 500 dollar limit card, and I could only afford to pay 100 dollars towards the balance (as the minimum payment) will credit score go up or down, or remain the same? Minimum Payment = $25.</P><HR /></BLOCKQUOTE><P>Hopefully a mod will move this for a more detailed response; however, in general the lower your utilization rate both overall and on an individual card, the higher your FICO score will be. &nbsp;There are some breakpoints, i.e. $16 on a $7698 balance is unlikely to make a difference, but in this case going from 300 one month to 200 the next on a $500 limit card, is likely to produce a change in your FICO score in the upward direction... on the assumption the rest of your balances remain flat rather than going up.</P><P>&nbsp;</P> Thu, 27 Sep 2012 06:07:20 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Credit-Score-Question/m-p/1611356#M66487 Revelate 2012-09-27T06:07:20Z