On Mon, Nov 24, 2008 at 2:17 PM, Tony <[EMAIL PROTECTED]> wrote:
> more the outlying credit vs the unused credit.

Yup.  How much is available to you vs what you are using

> keep them below 50% of their available
> as a general rule, then wittle away the remaining.

Indeed - Don't quote me on this, but I think that you can actually
help your credit score just as much by asking that the credit limit be
increased as you can by paying them down.  Because either way you can
make the ratio go below 50%.

> open ones with 0 balance = good
> open ones with high balance to available ratio = bad

Yup.

-Cameron

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