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Member Since: February 2012

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Credit card utilization and your credit score

Dec 30, 2014

You can get to A easily. All you need to do is pay once you're monthly statement closes. Say you close Dec 3 and require payment by Jan 1. Charge you Nov expenses on the CC and pay on Dec 4. You're then seen as using your credit, gain a good grade, and you don't pay interest. Just make sure you stay under 20% for your CC and total credit otherwise you can fall into the B and C range still.