@Macdoll30 wrote:
Before my recent credit cards I had zero % utilization because I had no credit. Now I have 3 cards and almost $6000 in credit so my EQ went from 663 to 671. When I use the cards will my score drop again because my util will no longer be zero???
Keep UTL between 1-9% and it may rise
Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
