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Is it better to hold a balance of 96% credit card utilization (0% interest) or spread it out
Is it best to hold several balances on multiple credit cards or transfer all the balances to a no interest credit card that will show at 96% credit utilization on 1 card?

Credit score dropped significantly 748-644 in one month by transfering several cards balances to one single non-interest card. Also have 5 hard inquiries for a refinance on a vehicle that I will dispute, which may have impacted the score.

Thank you!

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