I definitely understand the utilization factor with such low limits. The cards you have a rebuilders and the best way to go about getting the best bang for your buck on those would be to alternate usage. use one card one month and pay in full. Rotating them over the numbr of cards you have. Tht would allow them all to mostly report a 0 balance keeping your utilization down acorss the board.
You said you PIF every month, you could also pay the day before the statement fell to prevent the cards from reporting the high amounts to the credit bureaus. Or use cash (my favorite) and only use the cards for small purchases or things you would use them for anyway and PIF before statement dte.
When I was still using the low limit cards, I had things like the cable bill, and phone bill billed directly to my card and PIF before statement date. Just make sure you have the funds in the bank to do so. I planned a budget in Money (cause I like to shop). Jsut to be sure Iwouldnt be pulling savings come card payment time.
Message Edited by Brammy on
09-01-2007 07:56 AM