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Amethyst16

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If you've reached your credit limit should you pay it off at once or make larger monthly payments?

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You shouldn't charge more than 30% of your limit. Preferably no more than 10% to 20%. If you do, pay it down mid month or bi-weekly as you get paid, to keep your utilization down. Only charge what you can comfortably pay off, without paying any interest every month.

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The ideal use of a credit card is to make needed/desired mpurchases and pay the accounts in full when the bill comes in.  That saves on interest and, when you keep your utilization at or below 10%, increases your credit score.  The articles here explain credit very well.  

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You have two entities watching how you use credit: the credit issuer and the credit bureaus.  They are not looking at the same numbers on the same days, nor are they interpreting your credit habits in exactly the same way. The key is learning to show them both what they want to see. Your creditor WANTS to see a lot of charges--they make money off those! If you run plenty of purchases through their card every month AND pay them back down, they will raise your limit. If you hit 99% of your utilization, the creditors are cool with that. The balance to that is they also want to see you pay it down substantially every month. That's why due dates exist--to keep you on top of it at least monthly and prove you're in control of your spending. The CLOSING DATE is when the credit issuer reports your balance (and your utilization) to the bureaus. If you look pretty on that one day, that's all that matters as far as your score is concerned. 
I pretty much max out a couple of my cards every single month (which my creditors love, no doubt), but if you pull my report you will see low utilization because I pay everything down to below 10% before that all-important day (and thus the bureaus like what they see as well).

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