Credit card utilization tips to help you maintain good credit and build a strong positive credit history.
1. Keep credit card utilization below 30% .
2. By all means necessary never go beyond your credit limit.
3. Its ok to carry a balance month to month and actually helps to show more on time payments than to pay off a balance.
4. Take advantage of balance transfer offers with zero interest for any balances you do carry month to month.
5. Find out when your creditors report to the credit beareus and if its a few days prior to your payments due date try to make your payment earlier so it will reflect the lower balance.
6. Utilizing your available credit for small purchases your sure you can pay off reflects better than not using your credit at all.
