Quote:
Originally Posted by type-dRew
Carrying a balance is better than never using it. No reason to avoid using it if you can pay it off. Using the card up to just over half the limit will not affect your score adversely, over that and it becomes counter productive.
Use it for gas. Pay off everything but $5 every month. Watch your score go up.
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Using half the limit is too high
29% and under is where you want to be.