If your only concern is your score, the the cards with highest balances.
If you are concerned with how much overall you will be paying, then the highest interest rate cards.
But my question to you would be why do you need your score higher? Is it so you can get more cards? Will you then charge them up?
Set the goal of having no more than 10% overall being reported. Set up other goals, like PIF each month. Rethink each and every card. When you want to buy something, find it at the cheapest price you can. This might require a bit of time, but this will help since you will be occupying time which you might otherwise be doing something like shopping for more things. Remember short term results can yield long term benefits, just make sure those benefits are well designed to insure that you get to your end goal!
I have $100,000 of credit limits. Only 10% of it gets used. I personally pay no interest on credit cards! (My niece and sisters who also use my cards do. I do advise them all the time that this shouldn't be happening, since it wastes their valuable money.) I use the cards with the best rewards for each purchase, so that I get more out of every purchase. I look for the cheapest price I can find on any purchase of a sizable amount. For me sizable is usually anything over $50. It doesn't mean I don't have things, I have plenty of things! In fact, since adopting this strategy, I have more things and a sizable savings. I buy quality things now more than ever. They last longer and thereby insure that I spend less over time. I don't look at it as that I can't afford it now, I look at is as I can't afford not to! I never quibble over a split check and the differences between what some people think they owe and what they do. (Others have noticed this and it has earned me quite a few free meals. More than what I have spent by taking up the slack! I also use a credit card for these transactions so I get the full amount of the cash back on the purchase!) I PIF each month.
Define your end goal. Work towards it.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
