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...I looked at the utilization percent on each of the cards and used it to bring any cards that were over 50% utilized down to 50%. After a couple months my overall utilization is now under 45% and will be under 40% after next months payments. During the same time frame, I've seen my credit score go up 10 to 12 points. I'm not all that concerned about credit score...
I don't think I've read about this strategy before. Comments?


The utilization strategy helped your credit score, but since you're "not all that concerned about credit score," I'm not seeing the point. I think paying "highest interest rate first as that results in the lowest overall cost" will have the same end result, and get you there faster.
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