Credit Card Utilization

[Anonymous]

I just received my Capital One Quicksilver One credit card, and my statement closing date is going to be September 2nd which is just in a few days, how much do I need to spend on the card to put my utilization where it needs to be to boost my score is it 10% per card or 30% per card? I'm getting mixed answers I'm new to this any help would be appreciated. I've used the card several times and paid it immediately, as of today it is paid in full. My first bill has not even came out yet I'm just trying to boost my score up some.
Thanks ya'll!

[Anonymous]

ideally keep it under 10% for scoring purposes.  You can still pay your statement balance in full (ideal) and it will report, you just want to make sure the amount reported is under 10%.  

[601flyguy]

Under 8.9% is best

[Anonymous]

Allow a small balance to report on the card, say $5-$20. 

[Anonymous]

Great thank ya'll so much! Anybody have a clue if Capital One reports within the first month on a new account??

[Anonymous]

Thank you so much. Anyone know if Capital One will report since my account is new I want sure when to expect it to show up.

[FireMedic1]

First off. Everyone was right in bits and pieces. You dont have to pay each transaction every time. Drive you crazy. Spending amounts has nothing to do with what reports on due date day.  Spend all you want without going over the credit limit. Every 2 weeks is fine to pay.Then pay it down to 5 bucks or <=8.9% before the due date. For you its 9/2. Look online and when you see due date change to Oct 2nd which is approx. 3 days later.  Repeat everything again.

Theres another way. But I wont confuse you with that. Start easy. GL

[Anonymous]

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@FireMedic1 wrote:

First off. Everyone was right in bits and pieces. You dont have to pay each transaction every time. Drive you crazy. Spending amounts has nothing to do with what reports on due date day.  Spend all you want without going over the credit limit. Every 2 weeks is fine to pay.Then pay it down to 5 bucks or <=8.9% before the due date. For you its 9/2. Look online and when you see due date change to Oct 2nd which is approx. 3 days later.  Repeat everything again.

Theres another way. But I wont confuse you with that. Start easy. GL

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Another way is simply pay the full amount by the due date and not worry about micromanaging score, unless you have a REAL (as compared to a want!) need to do so.

[SomewhereIn505]

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@Anonymous wrote:
Great thank ya'll so much! Anybody have a clue if Capital One reports within the first month on a new account??

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It should report once your statement closes.

[Thaitea007]

here is how my cap cards have been reported for me,  my due date for my Cap 1 cards fall on the 18th of each month,

Cap 1 has reported to all three of my credit reports between 5-7 days after the 18th of each month. 

I pay in full each month on or before the due date, no matter how much spent on the card for the month to keep reporting at zero for this card.