I will be applying for a mortgage shortly (I hope)..my question is this... Should I pay my credit cards to $0 balance or should I leave them at 10-15%. It's probably obvious..but I just want to be sure. My husband and I each have 2 cards...they don't have large limits..the largest being 1250..just want to be sure.. Thank ya kindly ....Did I mention the Avalanche rule?...sorry...had to do it..:::giggle::::