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      05-09-2019, 05:07 PM   #135
Hawkeye
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Drives: '07 Z4 Coupe, '21 X3, '16 GMC
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Quote:
Originally Posted by Alvinized52 View Post
Quote:
Originally Posted by LOW4LYF View Post
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Originally Posted by Alvinized52 View Post
3) keep monthly balances under 30% of credit limits.
You mean each card less than 30% or in total?
Each!
Quote:
Originally Posted by LOW4LYF View Post
Quote:
Originally Posted by Alvinized52 View Post
3) keep monthly balances under 30% of credit limits.
My credit score doesn't seem to have changed?

I consolidated everything to 1 card (0% interest transfer), so that card is up above 35%.........but my total utilization is only 11%.
Only total utilization ratio really matters to the credit score AFAIK.

Also, the rule of thumb I have heard is keep the total under 10%, 30% seems really high.
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2007 Z4 3.0si Coupe • 6 MT • Black Saphire Metallic • PP • SP
2016 GMC Sierra SLT Z71 Premium Plus 4x4
2017 Harley StreetGlide • Denim Black • V&H Tune
2021 BMW x30i • Phytonic Blue Metallic • Fully loaded
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