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MzLayna

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CC Utilization Clarification Please!! :)
I understand to have the most pristine credit score that you must reduce your credit card utilization down to about 30%. i have 3 credit cards all with a limit of $300. is it better for me to have 10% utilization on each card or 30% utilization EACH card OR 30% utilization on one card? I am working hard to get my score up in the next 6 months, if you have the best answer to this question your response would be greatly appreciated! Thank you!

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It is calculated as your total debt to total credit limit. It makes no difference whether it is all on one card or spread out in various amounts on more cards. It is all about the total.

There is no 30% in that. Keep your debt between 1% and 20% for best results.

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