take advantage of buying what you want... if its a lot of money it will impact your score. but once its paid down scores will climb back up..
my discover just showed a showed a 0 balance from 800 and my scores jumped 10 points. i still have balances left so they should raise once those get paid as well.
Yes, Its to get 0% when you carry a balance, BUT you only want to carry a balance on one card at a time, and try to stay under 30% utilization, or it will drop your score. Good thing is, once you pay it down, your score comes right back up.
Yes, Its to get 0% when you carry a balance, BUT you only want to carry a balance on one card at a time, and try to stay under 30% utilization, or it will drop your score. Good thing is, once you pay it down, your score comes right back up.
Thats what i do, and my AMEX is the only card that i want to carry balance because it has the highest limit i have.
