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Question By
mikeyblazzze

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Credit Cart Utilization Question - Please Help
I had bad credit and no credit cards so i got a secured credit card to rebuild my credit. Once the card registered, my credit score went way up. I was using the card for gas once every two weeks only and would pay it off well before the due date. Since i was paying it off, i was using it BUT my card utilization was at 0%. I was told i should build my utilization grade and leave a small percentage on my credit card so my utilization grade goes up and it will look better on my credit report. I changed my utilization to 10% and yesterday it finally registered on here. My utilization grade went up of course BUT it dropped my score WAY down (by 50pts). I was almost at a 700 score and now it brought me back below 650...How can this be better? I don't get it. Should i go back or leave it this way?

Any advice would be greatly appreciated.

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The Letter Grades here that CreditKarma supplies are UseLess,  Do not let the Letter Grades dictate how  you deal with your Credit.

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So then is it better to pay off balances before the due date like i was doing before or leave a little utilization on the card?  I am seriously contemplating going back to my old way and having a higher score.

Thanks

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