I was wondering if anybody knows why, after I opened a new credit card, one of my credit scores stayed the same, one increased 18 points, and one decreased by 5 points? This was as soon as the card was posted to my reports as opened, before any charges/balances/payments. I’m also confused about credit utilization- I am charging about 10% on my cards each month, I now have 2 credit cards. so do I let that 10% post to the statement so the 10% is what is reported to the CBs? I am paying my total amount due each month. or should I be charging the 10%, then paying part of that off BEFORE the statement is posted(if so, what percentage?), and then paying the remaining balance in full before the due date? thanks!
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