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card utilization sweet spot -- does it matter?
I'm emerging from a low point prior to receiving social security disability benefits. i have several accounts that have been charged off and a few remaining "active" but that cannot be collected (nor can I afford to pay) because my only source of income is social security. i have one and only one credit card currently, a Target red card that I had set to auto-pay the complete balance each month, yet I discovered I was getting dinged on my report because my utilization rate was "high" -- there's a $500 limit on the card and I just moved into an apartment after being homeless. I use the card because it gives a 5% discount on every purchase and I do not carry a balance. What to do? Buy bits at a time and pay off each bit as I go? don't use it all? Thanks so much.

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