FWIW,

Future creditors don't consider your present balance as such, they look at the credit limits of each card and add it together to figure out your total potential liability. So if each card has a $2000 limit, even if your balance was $300 they would consider your debt to be $2000. this is because you can run the card up anytime. Before I bought my house, I cancelled a few cards because the aggregate limit would be high (Though I had nearly a zero balance).

But regular payments and a small balance go a long way to establishing a good credit rating.


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