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Flaquita1010

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50% twice or 75% & 25% better?
I have been told that the balance of the credit lines should average shouldn't be any more than 50%--preferably 30% or less. I understand that concept, but I was wondering if it makes any difference (for the score) if it is a case of keeping the balance below 50% means that I should keep all accounts below 50, or if it would be better for my score to have a balance of 25% on one of them, even if it means having an excessively high balance on the other? Is it the average that matters in determining a score, or the individual accounts separately?

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its both....the average should be under 30% which you stated you know....the first step is 30% then 20% then 10% and finally the best place to financially 1-3%.....but not only should the average be the same each card should be within 1-2% points of each other doesnt have to be systematically perfect but very close....it looks better in eyes  of creditors to have to "50-50" then "75-25" but like you said earlier aim for 30-30 first then work it down takes time and discipline but the rewards in credit points and ulitmatly higher rate wil not only be a nicer feeling but give you access to lower interest rates saving you money

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