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@anderl wrote:
@I just have a quick question about increased utilities. I have 8 accs. in total-3 store,2 Visa, 1 MC, and 1 LOC. Total CL=40K. I have kept my utilities @ or < %10 for a while now. I have a low limit MC=$250CL and a low limit Visa=$500 that I usually keep PIF, but at the moment are @Anonymous% utilities each. How would this increase in utilities on these two cards affect my scores.P.S., my overall utilities will only increase a small 2-3%,but i've read that high utilities on individual accs. is bad for scores-
High UTIL on individual accounts is bad for your FICO scores. Running high balances on low CL cards is a bad plan. No one here can tell you how much this will hurt your scores. Maybe you will be able to tell us!
Best plan is to never allow a balance of more that 35% of your CL on an individual card report.