@xenon3030 wrote:There is no memory factor in Fico8 for CC utilization. So, as soon as it would be paid off, the Fico8 should return to its prior score. I suggest to pay off the CCs soon.
Also, I suggest after Fico8 recovery, get more reliable CCs and afterward, if you are not happy from some prior cards, you might want to close them. If you want 5% cashback on AMZ, some excellent CCs like Chase, Discover, etc. would provide that (twice cashback for Discover in the first year).
Discover is my next goal. I have the Chase Amazon Prime Visa but it's only $500. Utilization is around 25%
Starting Score: EX 655, TU 583, EQ 598
