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Hey all - what's better to do... lets say you have 3 credit cards, same interest rates, and each has utilization at about 70%. Is it better to pay down all cards to under 30% or better to knock one to 0% then move to the next one?
Does full credit utilization count towards score, or individual credit card balances?
Thanks!
FICO looks at both overall util and individual util. In that scenario, I would pay one to $0. FICO likes to see $0 balances on more than half of your CCs. Paying one to $0 is a positive step in that direction.
Thanks!