Feb 16 2020
Great starter. Transition to their 2% CB
Credit Karma Member
Don't go over 7% on any card if you want the best results. The key is to know all of your credit card's statement days. This is the cut off for when they send current balances to the credit bureaus. Let your card show 7% utilization on the statement closing day. Then wait 24-48hrs or pay it off before the monthly payment day. You can also change your payment days so it's a smooth process. By doing this, you'll get a double boost. 1 for utilization & 1 shortly after for paying your 7% off. Call in each time you pay off so they can send another update to the 3 bureaus behind the statement closing day one. Use this trick if you don't want to wait 6 months to build credit. You can do it in 2-5 months.