Credit Cards - Intrest, Fees, and Bullshit

[Senor_Taylor]

Having a higher balance on one card than another doesn't matter. They use the average balance vs limit across all your debt. According to credit karma less than 10% is amazing balance to limit. But going to 20% or something like that won't affect your score greatly. It's when you start pushing 50, 60, 70% of your limit it starts to take a bigger hit on your score.

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The loan officer at my bank has said that 60% is usually the magic number. Stay under that and you're golden. Of course I'm sure this varies. Makes me want to up my limit so I can buy tires or something and not worry.