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BSF1971

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Optimal utilization
I have a secured card with a small limit, $200. After reading these boards I payed my balance BEFORE it was reported to the CB's last and a 0% utilization was reported and my score shot up. This month I paid before Capital One reported to the CB's and left a balance to show a 15% utilization and my score went down 7 pts. I guess a 0% utilization is best. I just read that under 30 was good

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Under 10 it the optimal. I dropped mine from +20 to 1% and got a +60 point jump.

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BSF1971

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Thank you.  i will do that next month for sure

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