Question...I had 3 lates last year and wanted to know if it would do me any good to keep my aggregate CCU at 8.99%/monthly to show I can responsibly pay as agreed for all my revolving accounts? I know I'll end up paying interest but that's the only solution I've been able to come up with so far. Thanks in advance for any advice or suggestions!
@sectionals wrote:Question...I had 3 lates last year and wanted to know if it would do me any good to keep my aggregate CCU at 8.99%/monthly to show I can responsibly pay as agreed for all my revolving accounts? I know I'll end up paying interest but that's the only solution I've been able to come up with so far. Thanks in advance for any advice or suggestions!
Sure it would do you good to have low credit card utilization.
There's no reason to pay interest. Just pay in full each month before or after the balance reports.
Thank you @SouthJamaica. I don't think I clear was re: my question. The lates we're for a card that I have PIF now, my current CCU is 8.99% for 1 card, zero for the other 4 which brings my aggregate to 3.7%. Even though I'll pay interest, would it be wise to keep a running balance from a reporting perspective to try and combat the lates aside from time? My bad. Still a newb lol.
Two separate scoring metrics. Lates are lates. Util is another. One doesnt fix the other. You can have a card report a balance come statement date. As @SouthJamaica said. Just pay it before the due date which is listed on your statment. No interest paid.
I figured that was going to be the follow-up response lol @FireMedic1. Ugggghhhhh! Alrighty. Waiting on you Father Time...
Time is everyones best friend no matter what file a person has. All the metrics are like wine. You know the rest. 
Lol...indeed.
@sectionals wrote:Thank you @SouthJamaica. I don't think I clear was re: my question. The lates we're for a card that I have PIF now, my current CCU is 8.99% for 1 card, zero for the other 4 which brings my aggregate to 3.7%. Even though I'll pay interest, would it be wise to keep a running balance from a reporting perspective to try and combat the lates aside from time? My bad. Still a newb lol.
No, there's no reason on earth for you to keep a running balance and pay interest.
You don't have to pay interest to show/maintain utilization. Pay all cards except one down to zero before statement date, and the one you're leaving a balance on, pay to zero right after it's statement cycle closes. No interest paid.
@OmarGB9 wrote:You don't have to pay interest to show/maintain utilization. Pay all cards except one down to zero before statement date, and the one you're leaving a balance on, pay to zero right after it's statement cycle closes. No interest paid.
Thanks @OmarGB9. What you're describing is AZEO correct? What's the likelihood of a lender reducing your CLs due to decreased utilization?