Question

[WhiteJD41]

I have two secured credit cars and I was wondering how would my credit utilization go like say I use both cards one card has a $10 purchase of a $300 dollar limit and the other has a $5.00 purchase of a $200 limit. How would they total the utilization up by both cards or just one and with bad credit how can I pull myself out of the hole ?

[Anonymous]

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@WhiteJD41 wrote:

I have two secured credit cars and I was wondering how would my credit utilization go like say I use both cards one card has a $10 purchase of a $300 dollar limit and the other has a $5.00 purchase of a $200 limit. How would they total the utilization up by both cards or just one and with bad credit how can I pull myself out of the hole ?

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You need at least one more secured card to optimize. And then only let 1-9% report on one.

[WhiteJD41]

Thank you so much I will look into another secured card. I have a capital one and a credit union one. Do you know another card that is the best secured card to get I can't get a Navy Federal though so that shoots that one down thank you for your time.

[App_Addict]

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@WhiteJD41 wrote:

Thank you so much I will look into another secured card. I have a capital one and a credit union one. Do you know another card that is the best secured card to get I can't get a Navy Federal though so that shoots that one down thank you for your time.

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Which cards do you have now?

[Anonymous]

SDFCU is a great one and is an SP pull.

[takeshi74]

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@WhiteJD41 wrote:

I have two secured credit cars and I was wondering how would my credit utilization go like say I use both cards one card has a $10 purchase of a $300 dollar limit and the other has a $5.00 purchase of a $200 limit. How would they total the utilization up by both cards or just one and with bad credit how can I pull myself out of the hole ?

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Both individual and overall utilization matter.

[Anonymous]

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@takeshi74 wrote:

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@WhiteJD41 wrote:

I have two secured credit cars and I was wondering how would my credit utilization go like say I use both cards one card has a $10 purchase of a $300 dollar limit and the other has a $5.00 purchase of a $200 limit. How would they total the utilization up by both cards or just one and with bad credit how can I pull myself out of the hole ?

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Both individual and overall utilization matter.

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I agree..

[WhiteJD41]

I have a capital one secured Mastercard and a local credit union secured card.