The correct way to pay

[takeshi74]

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@Anonymous wrote:

I'd say +1. But I don't know why people say +1 or what it's for, it just seems like a good thing...

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It basically means "I agree with the previous message" (or quoted message).

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@fixmycred14 wrote:

 I haven't had credit in several years and don't want to make a mistake. I'm repairing and rebuilding. I just want to get it right this time around. I was told to always make sure 1-9% appears when the statement is cut. Okay, I got it now. Thanks again for the advice and patience.

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Don't fret over it.  Your utilization is whatever your  current utilization is.  There's no record.  Even if you do "mess it up" you can correct the matter with the next statment period.  If you're not applying for anything then it may not be worth fussing over details like this but that's your call to make.

$97/$7,000 is just over 1%, FYI.  You won't even hit 9% until you have a balance of $630.

[fixmycred14]

I see...thanks so much. I do need to eventually apply for one more card. This is the only revolving credit I have currently. The ultimate goal is a mortgage in a year +++.