What I Do Now

[NiNoMArksLA]

Will I paid off all my cards to a $0 balance
And they all report at the end of the month so by next month all cards will show $0 balances
UTL at 71% now will my scores go up?
What do I do now? Not Apping For Anycards Intll 2014 Feb I am gonna try and get my wal-mart Increased and Macy's

I called Bofa and its a HP to add more money
And they said wait Intill may 2014 to unsecured it cause it will be 12 months No late payments I missed 1 couple months ago by 1 day so just gonna garden Intill I get Credit line increase on my cards

[djc1puno]

I would have left one cc reporting util between one and nine percent...all zeros is not great for scoring purpose...even 2 bucks is great!

[djc1puno]

If u can still charge something cheap that would help

[NiNoMArksLA]

Ill pay something on them like $10 dollers I guess

[myjourney]

---

@NiNoMArksLA wrote:
Ill pay something on them like $10 dollers I guess

---

Congrats on paying off but always leave a balance on one card if your trying to increase scores

[djc1puno]

Remember all u need is one card w small bal

[Steelersboy]

all of the advice here is great, this site provides so much education

[PrettyPeacock]

You need to have some sort of balances showing when the card reports to the CRA and it needs to be at least 1/2%  I know because I have played around with it.  It was like an 8 point difference for me when I went from just 1/4% to a whole half percent.  They do round up so as long as it shows 1% then you are good.  But I just charge gas and some groceries and pay off once it reports.  I found out that my US Bank card reports on the 1st. I called Cap one and they said that it varies every 30-60 days and Victoria Secret acted like I was asking for the key to the White House when I asked her what day they report.  She said they didn't have that information and they wouldn't be allowed to tell me if they did.  eyeroll

[azguy13]

I try to let a tank of gas report once a month on one of my cards. It seems to help. 

[RushXTC]

As many people have said, According to CK and CS, The best UTL is between 1%-20%