Dark_Adonis wrote:Alright it's settled, I will use the card regularly not exceeding 30% utilization and pay off the entire balance every month.
I realize I'm late to the party, but wanted to add that this has worked for me. I've never heard that you need to keep you balances consistent month to month. I've never worried about that, but instead just concentrated on keeping balances below 30% of the limit. Sometimes that means a reported balance of $10, sometimes, $1,000. And my score is in the low-800s.