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Paying off one card, but having balances on the others: Your credit utilization is calculated both per-card and overall. Keep an eye on your progress As you pay down your credit card balances, your credit utilization ratio improves. Most major card issuers also allow you to set up alerts to let you know when you are nearing a limit you choose. Maintaining the gains Once you whittle down your credit card balances and see an improved credit profile, you likely want to maintain that progress.
If you think you can control your spending, keep paid-off credit cards open and use them occasionally. Closing a card can hurt your score by reducing the average age of your credit accounts and by increasing your utilization. You can keep utilization low in a couple of ways: A higher score might make you eligible for a higher credit limit.
Having a higher limit while keeping your charges about the same will give you lower credit utilization. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy. Dear Experian, I pay my credit cards off in full before the payment is due, yet my report shows a 60 percent utilization ratio. Why is this happening and how can I prevent this besides getting more available credit or not using my cards?
Typically that is at the end of the billing cycle and is usually the balance that appears on your monthly statement. If you used your credit card during that billing cycle your credit report will show a balance, even if you pay the balance in full after receiving your monthly statement.
Convenience Checks. You can request your credit card issuer mail you a so-called convenience check, which you can then use to pay off a credit card bill. These look like an ordinary check, and can be deposited into a checking or savings account. For all intents and purposes, once the check clears the transaction is treated just like a cash advance, so the mechanics are no different than those we described above. The only benefit of using a convenience check over a traditional cash advance is that you get to skip paying any extra ATM fees.
However, all other cash advance fees and interest rates still apply. Why This Is A Bad Idea Paying for a credit card with another credit card is ill-advised because it will leave you with high fees and interest charges. Firstly, whether you take money out at an ATM or cash a convenience check, you will be charged a cash advance fee right off the bat. The real financial risk involved with cash advances, however, is their high interest rates.
You are almost guaranteed to pay higher interest after taking one out than whatever APR you were paying on your previous outstanding balance. Therefore, if you use either a traditional cash advance or a convenience check, not only will you be paying a high fee up-front, but you will most likely be refinancing your debt at a higher interest rate.
Instead of paying one credit card with another, Here is a better alternative, you should transfer your balances between the two cards.
Though this may sound like semantics, there are differences between paying for a card with another card and performing something called a balance transfer. The latter is a more official way to moving your debt from one card to another and, unlike the methods we explained above, it can actually be beneficial to those in debt.
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