@dstew201 wrote:
@NRB525 wrote:
It will bring your scores down some, 7 to 10 points I'd guess, if you go over 50% utilization on the card, but the main purpose is to save interest expense. Cash benefits outweigh temporary score changes, because your score will recover as you pay it down. Saving the cash is best.
Discover likes BT. I have put 90%+ BT's on my Discover a couple of times to get low APR, and as long as you pay it off, they are fine with it.
Really?? I've been trying to keep my BT to Discover under 30%... I only have a 6k limit, so would taking it to close to 60% UTIL be okay, as long as I pay it off by October 2016? (1 year).
I keep mine at 30%, too.Just to be safe...
