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No. of Recommendations: 3
If you want a score above 800, pay attention to this "rule of thumb"? Perhaps ask for a limit increase such that the amount of monthly charges (that I always pay off) is less than 7%?

A FICO score above 800 requires a long credit history and low reported balances. It doesn't require paying interest.

My FICO score temporary below 800 when the charges for the family cruise were reported as the current balance. The balance was paid off but it took several months for my credit score to recover above 800.

Normal monthly charges are below the 10% range. Even though I refused to update information one credit card increased my credit limit. It might help my credit score. Still, my credit score was a few points higher last August and there is no obvious reason why.
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