- Centurion Member
- Posts: 3618
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
While on the topic, it doesn't have to be 5%. Lower is better, as long as the amount that reports is above $0. Discover generally won't report under $2, though. So you might have a balance of $5 report, instead of $25.
I remember when I had only a $600 CL, and it was a pain to have to pay in full so frequently. I know I had the urge to have as much of the CL available as possible.
And unless there's a history of high balances, it's only the utilization that's shown when your credit is pulled that matters.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when