new and need help on CC usage

[Anonymous]

So im new to rebuilding and me and my husband are just opened cards to use. We have a Cap 1 securred with 200 limit and I was unsure do i use it and PIF and continue to just use it throughout the month and make payments so that it is showing alot of use or does that not matter as long as paid by the due date? Do they give CLI on it or offer unsecured cards if you use it more through the month and pay it off?

[Anonymous]

For scoring purposes, it does not matter as long as you pay on time. 

If you use it a lot, capital one will likely preapprove you for other cards (They have a preapproval website you can check from time to time). 

I'm not sure if they give CLI on secured cards anymore. 

[Anonymous]

Ok thanks. So I think I'll use to to pay bills then pay the bill before it's due so it isn't too much utilization

[Anonymous]

Exactly. You want your total reported utilization to stay under 10%.