JerryB

If you have more than one card with an outstanding amount due, but cannot afford to pay both off completely, pay the minimum amount on the one with the lower interest rate, and pay off the one with the higher interest rate first. More than two? Pay off the one with the highest interest rate first, then the next higher, and down the line. Pay the minimum on the lower interest rate cards per month to protct your record of not being late as you go along.

I am an authorized user on my brother's account. I have it there to boost my credit score. it ws started in 1990, and there is a large credit limit(over $50,000.00) Recently, however, he has been paying small amounts, and now has a debt to limit ratio of over 50%. That is, the outstanding balance is over $25,000.00. His payments are always on time, and always more than the minimum. I am trying to determine whether I should be removed from the account because of the poor ratio. Bottom line, will this increase or decrease my three scores?