I have paid off all my CCs to a zero balance. I do have some regularly recurring fees that I have spread out amongs 3 of my CCs....small amounts which I am able to pay-in-full every month. Is it best to leave the charges split up between the 3 cards, or place them all on one card (the one with the higher limit so as not to have a high utilization)
Anyone have any insight/input on this??
Use whatever gets you the best rewards. If those are either equal or not applicable, use the one you think you can get the best CLI's out of. When given consistent use your more easily get CLI's. Use them all at least once every three months. Pay the bill in full a couple of days before your statement ending date to prevent balances from reporting.
1 account @ 2% of total credit limit ( $200 / $10,000 all cards combined limit) rest of the cards at 0% when they report = optimum
If you don't care about rewards, I would use a different, single card each month to avoid managing multiple cards at once and still show activity every few months.