utilization question

[creditchild]

i have 2 credit cards, 1 with a limit of  $500(cl) and another for $300(cl) how much

should my balance(i owe) be at the end  of the month? as of right now my i currently

owe $117 on the $500 cc and $125 on the 300 cc. how much of the balance i need

to bring down on each card? last month i owed over $300 on the $500 cc and over $200

on the $300 cc. my score went down by 45 points! so i'm trying to get them back up

for the month of november. i mean shouldn't they go up if the balances is lowered?

[Anonymous]

Ideally, less than half of your cards would report a balance at all, and your individual card and overall (all) utilization will be between 1 and 9%.

[Anonymous]

I say ... bring the statement balance to between $5 ~ $45 (low as possible) on $500 CL card, and ZERO on $300 CL card  follow by LilMirth's advise.