Hi everybody
I opened my Discover secured card June of last year. I was under the impression that using only 8.9% of my credit limit ($200 CL) and always reporting 0% utilization was the safe way to achieve that coveted graduation after the 8th statement cut. I know there are many factors that go into choosing who graduates and I'm by no means bashing them since they gave me my first credit card. I was wondering if this route was a mistake? Should have I just used it more, perhaps even the whole credit line and paying it on the spot? And perhaps allowing some small balance, under the 8.9%, report? Just want some input to be more knowledgeable on future ocassions.
