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My util is now about 10% of all my total credit cards
The problem is the 10% util is on ONE card. The card is about 66% util or 2/3 of CL.
All my other credit cards with bigger CL have zero balance.
My quesiton is would this consider to be high utils on credit even knowing that it is only about 9-10% of my total utils?
I know that we are supposed to leave one account reporting.... but it that too much?
What can I do to maximized it? I am planning to APP next year for BCE and CSP.
I think you're on the right track. Just have one reporting and have 10% or so. I'd probably just pay that one down some more, have more no more than 30% reporting on and individual card and let that go. My total util this month was $6 reporting on my walmart card and gave me a good boost.
@Shogun wrote:I think you're on the right track. Just have one reporting and have 10% or so. I'd probably just pay that one down some more, have more no more than 30% reporting on and individual card and let that go. My total util this month was $6 reporting on my walmart card and gave me a good boost.
Awesome. I was thinking about BT it to larger CL card.. if I do that it would only be about 30% on that individual card.
my score went down about 10 points when one of my cards hit 75% limit eventhou 14 % total Utili......