@HeavenOhio wrote:
@Pony4her, for the best possible score, 8% utilization probably isn't good enough. I lose points when my AMEX card has a balance of $147 on a limit of 24k.
Leave a tiny balance (at least $5 but not much more) on one of your major cards. Because your AMEX card already has a positive balance, it makes sense to use that one unless you're trying to reset the grace period.
If you need to make interest stop on the AMEX card, you can leave the tiny balance on one of your Capital One cards. Don't use the Lowe's card as your AZEO card. It may work fine, but it also might not. Strange things have been known to happen if one's AZEO card is a store card.
Thank you for responding. So basically if I charge $150 per month (limit is $2100), pay $63 by due date and pay $87 by statement close date, leaving $5 on the card?
