Secured USAA Credit Card

[Anonymous]

I am new here and really trying to positively influence my credit scores.  I recently acquired a USAA secured card with a $300 limit.  Just from reading the forums, I realize I should carry a 1 to 9 percent balance each month.  I was wondering if I were to charge the card to a 29 percent balance and carry that over for one statement then pay it down back to the 1 to 9 percent in time for the following statement, would that reflect as a positive and be anything significant as far as score goes or would that hurt me?

[llecs]

As that utilization percentage increases so do your odds of taking a score hit. Thankfully, FICO has zero memory of your past CC utilization and if you paid it down between now and the near future, then there wouldn't be any permanent score impact. Your score would bounce back fully. The only thing to ever worry about, aside from any score ding, would be how your existing creditors view your spending habits. Carrying a balance over 2-3-4 months probably isn't a big deal to USAA.