- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
It depends on what you want to achieve. If you want the best chances of having the highest FICO scores that you can, it's often said that it's best to just let one card report with a balance less than 10% and then PIF on that.
If you're trying to take advantage of different cashback offers and stuff like that, I can see why you'd want to spread out your purchases like that or if you have high utilization on one card and need to spread that out for the meantime. With my cell phone payments at one point since I had lower limit cards back then, I'd split up the payments between two different cards so it wouldn't negatively affect my utilization on either card.
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