1. Jan 21, 2004 #1
   

   kickman Well-Known Member

   Anyone have a beat on what the most desirable usage should be? I have a First Premiere MC for the sole purpose of maintaining an open line of credit. Right now it's at 31% of balance. Should it be higher? Lower?
   
   Mahalo.

    

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3. Jan 21, 2004 #2
   

   lakpr Well-Known Member

   I have seen the following 4 thresholds mentioned as ones where FICO changes the weightage for usage: 15%, 35%, 50%, 75%
   
   0% usage seems to actually HURT than help.
   
   And of course, the lower the ration, higher the FICO -- EXCEPT for 0% usage

    

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