You want total util to be between 1-9%. Find out when your card issuer reports and pay the balance down before that date.
I just got the cc in June and havent used it yet. I have paid the annual fee already. I didnt need the cc except for the mix of credit. I guess I'll use it to grab a burger for lunch once a month so they'll be a small balance reporting monthly and that will keep my util very low. Am I on the right track? Thanks!
6-03-08 FICO TU 621 EX 630 EQ 595 7-23-08 FICO TU 648 EX 642 EQ 640 8-28-08 FICO TU 648