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I have one card that is near maxed out, but one card that has 0. Should I move some of the balance from the high card to the empty one? Will this help my utilization? Thanks!
One card
Question is really too vague. For certain balances/limits it could be better one way and better another in certain cases.
What's the actual utilization on the maxed card? What would your individual utilizations be after transferring? Keep in mind that balance transfers generally have an associated fee.