utilization help

[DUCTAPER77]

Ok I have an account with amazon $3500 limit with a  $2000 balance I also have a walmart account with a $3500 limit with a $3500 balance ok I have $2000 what should i pay? Pay off the amazon and have 1 card maxed and one paid off or should I split it put $250 of it on the amazon and the other $1750 on the walmart and have the 2 cards at 50% whats better for my score?

[elim]

I'm assuming they are both 0% purchases so definitely get them both down below 50%.  I bet that will feel good.  :]

[DUCTAPER77]

Thanks for the reply so your saying you think 2 cards at 50% is better for my score than 1 card at 0% and 1 still maxed?

[Anonymous]

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@DUCTAPER77 wrote:

Thanks for the reply so your saying you think 2 cards at 50% is better for my score than 1 card at 0% and 1 still maxed?

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Does your score really matter "right now"? Other than just the satisfaction of it, that is? I mean, if you're not applying for credit some where, such that a handful of points is going to make a difference in your interest rate or approval chance, then really it makes little difference how you do it. As long you're headed for the same train station, it matters not what stops you make along the way, in the end.

OK, so - having said that, I would just put it all on the bigger balance, because I don't like to max a card out for any length of time. Whether that would benefit scores more than paying off one completely is really just a geuss.

[Indianaguy]

I would put 1k on each card that way nothing is maxed out wait til it reports and then pull your free Walmart fico , you can also do a cli online and try to get your limits to 5k that will help with util , what's your scores at now?