Thanks for the tip cant understand why do i need to be in any debt with my card , but this is the system and i will let the system to be happy 
@Anonymous wrote:Thanks for the tip cant understand why do i need to be in any debt with my card , but this is the system and i will let the system to be happy
You don't need to do this. If you are trying for your best possible score, then what works best for most people is to having a small amount post to one card so that your total utilization is at or below 9%. However, if you aren't applying for any new credit soon, optimizing your score isn't that important. You certainly don't need to buy something you wouldn't already have bought just to get a small bump in your credit score. If you're really wanting to get your score as high as possible, next month, instead of paying in full before the statement cuts, leave a small balance to post when the statement cuts, then pay it off.
Starting Score: ~500 (12/01/2008)
@Anonymous wrote:Thanks for the tip cant understand why do i need to be in any debt with my card , but this is the system and i will let the system to be happy
You don't have to be in debt.* You can let a balance report (however small), and then pay it off before the due date. That would mean no interest payments.
* Since others have enjoyed debating this in the past 
, it's true that waiting to pay a card until right before the due date is still "debt." In fact, you have debt the moment your card is swiped and the transaction goes through. I use a working definition of "debt" as meaning that one is unable or unwilling to pay off charges in full every month, and some or all of the balance is carried over to the next month, incurring interest charges.
I pay off all my cards before they report (in other words, before their statements post) except for one. I let it report, and then pay it off immediately. No interest, and maximum FICO score points. It doesn't matter which one.
@haulingthescoreup wrote:
You don't have to be in debt.* You can let a balance report (however small), and then pay it off before the due date. That would mean no interest payments.
* Since others have enjoyed debating this in the past
I pay off all my cards before they report (in other words, before their statements post) except for one. I let it report, and then pay it off immediately. No interest, and maximum FICO score points. It doesn't matter which one.
I do the same thing.
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
@MarineVietVet wrote:
@haulingthescoreup wrote:
You don't have to be in debt.* You can let a balance report (however small), and then pay it off before the due date. That would mean no interest payments.
* Since others have enjoyed debating this in the past
I pay off all my cards before they report (in other words, before their statements post) except for one. I let it report, and then pay it off immediately. No interest, and maximum FICO score points. It doesn't matter which one.
I do the same thing.
From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Me, too! I learned it from HTSU and MVV. (And some say I'm unteachable! 
)
Aside from keeping my (and DH's) FICO scores happy, it gifts me with warm fuzzy feelings knowing those cc's (and my finances) are happy and well taken care of. I'll definitely take that! And I know if an emergency comes up, that my FICO's are in good shape. Sometimes you don't have 30 days to fine-tune stuff and it's good to know that you're FICO ready for anything when it does happen.