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Member Since: March 2014

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Credit card utilization and your credit score

Aug 01, 2014

A user who worked in a bank said what you do for that A grade without spending a lot of interest is pay off all but $5 of the balance every month.  The remaining balance gets reported as higher than 0% utilization and you get an 'A', but the $5 is so little you pay only pennies of interest.