- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
You don't "have" to use the second card. If you want to be absolutely safe, for highest score let ONE card report a small balance every month. That does NOT mean you have to pay interest just pay it off after the balance reports.
As far as score and utliziation, FICO says you want to keep it low on every card as well as overall, meaning they apparently consider both in generating a score.