Cc Top | Get Tune

A $5 balance on a card with a $500 limit is 1% utilization—harmless. But if you have ten such cards, your aggregate utilization is irrelevant? No. The problem is that small balances can grow or be forgotten. Pay all balances to zero except one (AZEO method: All Zero Except One).

Also, set calendar reminders for annual fee waivers. Many top cards (e.g., Amex Platinum, Chase Sapphire Reserve) have $550+ fees. If you aren’t using the credits (Uber, airline, Saks), downgrade the card before the fee hits. get tune cc top

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You cannot get a top card with a bottom-tier credit score. Before you apply for anything: get tune cc top