Is 1 percent utilization okay..

[Anonymous]

I have a $3000 limit  on my Captial One card. Can I utilize 1 percent which would be paying $30 each month for the Capital One card  and have a zero balance on my HSN card every month and get a higher credit score? Can you tell me what would happen if I used only 1 percent utilization for my Capital One card?

HSN $500

Capital One $3000

[Anonymous]

Nobody can tell you precisely what would happen but, generally speaking, that approach would be beneficial for your Fico scores.