Hi, Ok which is better... I have a target guest card but have not used it in the last 6 mos... what looks better to my score: a. a card open with full credit available but not used in the last 6 mos? or b. a card open with full credit and lets say use $50 pay $50 every month? thanks Allen www.htmlcenter.com
I don't think that will make much of a difference. It all dependes on what you want to do with your credit. If you want to build it and lower your costs, it has been my experience that to borrow close to the limit and make large payments till the balance is paid off is the best approach. www.creditsense.com
