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jtcm

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which card should i pay down first
I have a few cards currently that are at intro 0%, if one is a $3000 limit and I have $2800 on it should I pay it down before I pay a $2500 balance on a $5000 limit card? my question is does the credit utilization per card effect my credit or is it the utilization of all my cards together

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The utilization per card effects the credit score so you want to strive to keep the utilization no higher than 10%. Each of those 0% cards has an expiration date, after which a higher rate of interest will be charged. Smart move is to get both cards paid in full prior to the end of the 0% rate. 

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jtcm

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Thanks, i made a spread sheet where i track balances and i just added a utilization column, i will try to pay down the highest percent first. Great advice

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