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LexiLex2018

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Which would help my credit out more? Putting a payment towards one card that would get it below ...
Putting a payment towards one card getting it below the credit limit or putting the payment towards a card to zero the balance? They are both current, but one is over credit limit and the other isn't.

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The second one

Definitely the one that is over the credit limit. It's decimating your score right now. Ideally, you want no higher than 9% utilization on any card but you'll be decent with20%.

Top Contributor
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I personally would pay the most on the one with the highest interest rate.  That is most likely the one over the credit limit as that is a trigger sometimes to raise rate on the card.

When figuring the percent used to avaialable it does not matter what is on what card.  It is taken as a whole, so if one card is 500 used of 1000 and the other is 300 used with 200 limit. the models still just say 800 used of 1200 avaiable or ~67%.  Since there are many scoring models there might be some that will factor or weight differently a card over limit.  But say for example 100 was used on 5,000 credit card and your second card was 200 on a 100 limit, then your usage of ~5% would be the strongest factor in your score and the overage is so little of your total credit that is is not a big factor.

Another thing you could look at: is it possible your not over limit card offeres interest free for a time to balance transfers. You would still typically pay a 3% transfer fee, but getting the card under limit, and free interest for a short time, would outwiegh the 3%.

But I will stay for the best finiancial overall choice, pay the most to the highest interest card. In the long run you pay off quicker, and save yourself money by doing this.

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