wrote:
Okay, I will do that. I just paid off the AMEX, so I will use my other cards to have something report as 1% or something. I will try that for a little while and see what happens. I thought paying in full always helped, but I will try to leave something on the cards. That really helps.
I check my credit all of the time and it just stopped moving for a long time. I am assuming that probably why.
"Pay in full" doesn't necessarily mean to pay the balance to zero before statement cuts. When statement X comes and you pay at least the amount of balance shows on statement X by the due date prior to statement X+1 cuts, it's still considered as paying in full. This helps in the way of avoiding interest on purchases. However, utilization that shows on credit report is what helps or hurts your score.
Utilization and pay-in-full are two separate things, and they don't conflict each other. It's possible to have any % of utilization each month and always pay in full (still, keep utilization low but above zero).
