@Gcharb23 Always have 1 card report a small balance and PIF after the statement cuts and before the due date. FICO doesnt care for no cards reporting any balance. Theres 15+ or more points waiting for ya.
So typically I have them all PIF except 1 I will leave a penny lol is that fine you think?
2-4% on one of the cards CL. Its still gonna be PIF either way.