@Caesar89 wrote:Understood. Thanks for the response!
Also, how did you get your cards in your wallet to show on your signature?
You go to "my settings", personal information, and edit your signature.
Different people use different code for the cards. The way I do it is <img src="(link to image)" width="50" title="(name of card and credit limit)">
@Caesar89 wrote:Understood.
I have three cards:
$500 limit- $35 remaining
$1100 limit- Maxed
$8600 limit - $5500 (the one I paid down by $2000)
That maxed card is also holding you back big time. Maxed accounts can be costly (i.e. 20-50 pts, possibly even more. It's profile dependent.); if you bring that $1100 card down to <88.9% or less than $977, you might see some nice gains.
When I tested single card AZEO 93% paid down to like 2%, was a 7 point shift on the scores I had access to (EQ FICO 5 and that was about it) when I was around 670 or so. $250 limit on it IIRC vs my outsized revolving limits even back then so no change in aggregate.
Never went back again to see again on more recent scores, but aggregate revolving utilization is where it's at as others have posted.
Regardless though paying off 2K of revolving credit card debt is a flat win financially anyway, scores are always less important than that imo.
